{"took":75,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":393,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10110954","_score":18.003304,"_source":{"product":"Debt collection","complaint_what_happened":"Contacted Transworld Systems via telephone XX/XX/year> @ XXXX EST. Call lasted 19 minutes inquiring about the debt. When I asked the person with whom I was speaking with to verify their mailing address he tried giving a po box address. I explained that I needed to send them a certified letter and that can not be received by a po box . I then asked for a physical address in which he got hesitant and then hung up on me. I then took action and found a physical address for their 2 locations and I sent a validation of debt letter to both addresses. One location in XXXX no longer existed however the XXXX location signed for the certified mail upon receipt on XX/XX/year>. Within the validation letter it states that per the FCRA the agency has 30 days upon the date of receipt to validate the debt. Not for verification but for Validation. If their office fails to respond to the validation request within 30 days of receipt, all references to this account must be deleted and completely removed from my credit file immediately. It has now been 30 days today XXXX. There has been no response from the offices of Transworld Systems since they signed for the certified mail. This needs to be removed from my credit file. I have a copy of the validation letter, the receipt from the certified mail to include the signature upon receipt and an explanation letter of everything that happened when I tried contacting them. I have also disputed upon XXXX, XXXX XXXX XXXX along with the attached documents listed above from my personal correspondence regarding this issue.","date_sent_to_company":"2024-09-13T22:11:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"21222","tags":"Servicemember","has_narrative":true,"complaint_id":"10110954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-09-13T21:45:46.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I then took action and found a <em>physical</em> address for their 2 <em>locations</em> and I sent a validation of debt letter to both addresses. One <em>location</em> in <em>XXXX</em> no longer existed however the <em>XXXX</em> <em>location</em> signed for the certified mail upon receipt on XX/XX/year>. Within the validation letter it states that per the FCRA the agency has 30 days upon the date of receipt to validate the debt. Not for verification but for Validation."],"company":["TRANSWORLD <em>SYSTEMS</em> INC"]},"sort":[18.003304,"10110954"]},{"_index":"complaint-public-v1","_id":"2763320","_score":17.479048,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Capital one changed my due date twice apparently because I changed addresses which makes no sense because my physical location has no bearing on me making payments. They did it once when I updated my address from my brothers house in California to an apartment XXXX miles away and again when I moved XXXX miles to a new apartment in California. Funny part is my date did not change when I updated it to reflect my move from Maryland to California. It was changed from the XXXX of the month to the XXXX in XXXX of XXXX and it then changed again to the XXXX of the month in XXXX XXXX. \n\nSo why change it when I moved within a state less than XXXX miles from location to location yet when I changed states it was not changed. \n\nCapital one sends me an email if you pay your bill why not send you a notice to ensure you know that your payment date has changed. Also capital one has removed their online messaging system making it so that you have to take time out of your day to call them instead of being able to send a quick secure online message through their system.","date_sent_to_company":"2017-12-23T17:15:54.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"91360","tags":null,"has_narrative":true,"complaint_id":"2763320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-12-23T16:56:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["It was changed from the <em>XXXX</em> of the month to the <em>XXXX</em> in <em>XXXX</em> of <em>XXXX</em> and it then changed again to the <em>XXXX</em> of the month in <em>XXXX</em> <em>XXXX</em>. \n\nSo why change it when I moved within a state less than <em>XXXX</em> miles from <em>location</em> to <em>location</em> yet when I changed states it was not changed. \n\nCapital one sends me an email if you pay your bill why not send you a notice to ensure you know that your payment date has changed."]},"sort":[17.479048,"2763320"]},{"_index":"complaint-public-v1","_id":"6044295","_score":17.421944,"_source":{"product":"Mortgage","complaint_what_happened":"Have spent countless hours attempting to pay mortgage and all attempts have failed. I routinely made mortgage payments using online payment system until XX/XX/2022. Without warning, the online system was modified so that manual payments failed and automatic payments failed, with no recourse. This led to a missed payment. Company removed the ability to chat online, and phone calls were placed on interminable holds and disconnected. There was no way to complete payment, thus forcing customers to pay fees. On XX/XX/XXXX, I was forced to travel to physical bank location, and double payments were processed including extra fees.","date_sent_to_company":"2022-10-03T21:13:11.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"80026","tags":null,"has_narrative":true,"complaint_id":"6044295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dovenmuehle Mortgage, Inc.","date_received":"2022-10-03T21:05:40.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, I was forced to travel to <em>physical</em> bank <em>location</em>, and double payments were processed including extra fees."]},"sort":[17.421944,"6044295"]},{"_index":"complaint-public-v1","_id":"1937241","_score":17.418818,"_source":{"product":"Credit card","complaint_what_happened":"To induce providing my physical address, AMEX suspended my unsecured credit card account to \" comply with new government guidelines ''. AMEX promised on taped calls that my physical address would go nowhere, and my mailing address would not change. \n\nAfter an Order of Protection on my ex-husband, and a career reducing hacker crime on financial systems - not publishing my physical location for database auto-replication is basic self-protection. \n\nXXXX USPS forwarding protection breaches required multiple moves, as my physical address would \" magically '' get updated across multiple non-USPS databases. I was thankful to find my rights to not register my physical address with the USPS. \n\nNow, 1 week after yielding my physical address to AMEX, I 'm getting snail mail from the XXXX XXXX XXXX ( to whom I 've never given my physical address ), and XXXX XXXX XXXX XXXX ads with invalid callback phone numbers for someone who has never lived at my address ( probably by a cyber-criminal working to undercut me with identity theft ). \n\nI appreciate AMEX will say that AMEX \" had to have it, because the government made them '' - and that I can not really prove they were the source of the breached data. XXXX and XXXX XXXX XXXX will say my address was certainly obtained through some legal means from some 3rd Party they can not find/reveal. But, I am recording my concern with the CFPB to understand the tightly-wound ( and hopefully unintentioned ) results of empowering credit card companies to do things like suspend credit access to force location information into government financial programs via data-sharing. \n\nNo one is going to be left to protect others digitally, if it is made so easy to allow hackers and other self-interested commercial parties to harm us and others in accountability verification roles.","date_sent_to_company":"2016-05-23T21:25:26.000Z","issue":"Closing/Cancelling account","sub_product":null,"zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1937241","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2016-05-23T21:25:25.000Z","state":"NH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To induce providing my <em>physical</em> address, AMEX suspended my unsecured credit card account to \" comply with new government guidelines ''. AMEX promised on taped calls that my <em>physical</em> address would go nowhere, and my mailing address would not change. \n\nAfter an Order of Protection on my ex-husband, and a career reducing hacker crime on financial <em>systems</em> - not publishing my <em>physical</em> <em>location</em> for database auto-replication is basic self-protection."]},"sort":[17.418818,"1937241"]},{"_index":"complaint-public-v1","_id":"3934719","_score":17.096958,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have a bank account with Chase and a fraudulent check for {$600.00} went through my account on XXXX. The signature on the fraudulent check does not match in any way to mine, and Chase just let this check go through. I have downloaded a copy of the fraudulent check for my records and can submit it to CFPB if need be. I have tried to reach Chase in XXXX of XX/XX/XXXXand they have asked me to walk into their branch. And they have also closed my account without asking or informing me. I have been out of the Us for two years, and now that I am back in the US I went in and have submitted a complaint with a Chase bank on XXXX, and have not heard back from them since then. \nI have called Chase banks customer claims department on XXXX to ask for a status and they have asked me to go their physical bank location. I did go to their physical bank location and have been instructed to call their customer claims department. So I feel like they are sending me in circles. \nIt raises an alarm that a big bank like Chase would let checks that have unmatched signatures pass through their system. Customers should feel unsafe banking with them.","date_sent_to_company":"2020-11-03T20:53:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"48126","tags":null,"has_narrative":true,"complaint_id":"3934719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-11-03T20:23:35.000Z","state":"MI","company_public_response":null,"sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["I have been out of the Us for two years, and now that I am back in the US I went in and have submitted a complaint with a Chase bank on <em>XXXX</em>, and have not heard back from them since then. \nI have called Chase banks customer claims department on <em>XXXX</em> to ask for a status and they have asked me to go their <em>physical</em> bank <em>location</em>. I did go to their <em>physical</em> bank <em>location</em> and have been instructed to call their customer claims department. So I feel like they are sending me in circles."]},"sort":[17.096958,"3934719"]},{"_index":"complaint-public-v1","_id":"14737230","_score":16.989016,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XXXX of XXXX  I wrote XXXX XXXX XXXX to request they provide validation of this alleged credit card debt that shows on my credit report. In XXXX of XXXX  XXXX XXXX XXXX sent me a letter stating they were not willing to validate the debt or send me documentation unless I came to a physical location in person to update the address on file. When I submitted my request to XXXX  for debt validation I included a copy of my valid NY state driver 's license as proof of identify. I am serving on XXXX XXXX in the United States Army and can not visit an XXXX location in person. I made XXXX separate phone calls to XXXX  in an attempt to speak with a representative in their asset recovery department, as instructed on the letter they sent, however this number leads to an automated system that does not connect to a real person even after XXXX hours on hold.","date_sent_to_company":"2025-07-18T21:44:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"136XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14737230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-18T21:44:02.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am serving on <em>XXXX</em> <em>XXXX</em> in the United States Army and can not visit an <em>XXXX</em> <em>location</em> in person. I made <em>XXXX</em> separate phone calls to <em>XXXX</em>  in an attempt to speak with a representative in their asset recovery department, as instructed on the letter they sent, however this number leads to an automated <em>system</em> that does not connect to a real person even after <em>XXXX</em> hours on hold."]},"sort":[16.989016,"14737230"]},{"_index":"complaint-public-v1","_id":"4761202","_score":16.966898,"_source":{"product":"Mortgage","complaint_what_happened":"I took out a mortgage with a local lender and they sold the loan to Fannie Mae XXXX XXXX XXXX. The servicer went from them to Wells Fargo. I received a notification of this change on XX/XX/2021. \n\nI went on Wells Fargo 's website and attempted to register my account to set up online banking to monitor my mortgage. During this process Wells Fargo requests my SSN and my Loan #. After entering these Wells Fargo states they have to send a text message to verify I am who I am. The phone number that WF has is not mine. I call their support line and after 4 or 5 calls now I am still at square 1. They were able to update my phone number in their system but I am still not able to register to create an online account.\n\nI have 0 faith in WF and I have no trust in their ability to service me or be honest. What adds to this is there are no Wells Fargo physical locations in Michigan ( the state I reside in ). \n\nI am unable to get an answer as to where Wells Fargo got the incorrect phone number, I'm also unable to get a clear answer as to why I'm supposed to \" wait a few days and call back '' to see if they can set up it up then. How can someone be a servicer of a loan and not have a physical location in the state they are supposed to be servicing? Seems like a sham and that it shouldn't be legal. I fully understand that when I signed my loan documents I agreed that the lender can sell my loan off or transfer it to a new servicer. \n\nMy issue is, how can a servicer not even be in state? The rep at Wells Fargo told me to go to a physical location to verify my identity and get my email address and phone number updated, I had a good chuckle at that. Ridiculous.","date_sent_to_company":"2021-09-28T17:21:09.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"495XX","tags":null,"has_narrative":true,"complaint_id":"4761202","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-09-28T17:11:57.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["They were able to update my phone number in their <em>system</em> but I am still not able to register to create an online account.\n\nI have 0 faith in WF and I have no trust in their ability to service me or be honest. What adds to this is there are no Wells Fargo <em>physical</em> <em>locations</em> in Michigan ( the state I reside in )."]},"sort":[16.966898,"4761202"]},{"_index":"complaint-public-v1","_id":"11590126","_score":16.521132,"_source":{"product":"Checking or savings account","complaint_what_happened":"Since XX/XX/year>, small business owners like myself have been unable to access our business accounts with Capital One. My business savings account with Capital One has been inaccessible to me via the CapitalOne XXXX. As a result, I am unable to withdraw and deposit funds to run my business efficiently. Furthermore, I am unable to seek help at any physical location because Capital One has closed all the physical locations in and around my city ( XXXXXXXX XXXX  ). The one branch they had in a nearby city ( XXXXXXXX XXXX XXXX was recently closed by Capital One without any explanations or warning to their customers. \nI have called Capital One Customer Service multiple times since XX/XX/year> asking for explanations and asking for alternative solutions for conducting the necessary transactions for operating my business, but I get the run-around every time. Whenever I called, I was given excuses that they are \" having problems with their online systems '' without any CLEAR explanations provided regarding the nature of the online problem and a resolution timeline. I also requested to be given an alternative solution to the problem since Capital One made a conscious decision to not have physical locations anywhere. But they had no solution for me. Instead I was told to \" check back tomorrow '' each time. \nMy last call to Capital One was yesterday XX/XX/year>. \nI demanded to speak with a XXXX, hoping to get some additional information regarding a resolution timeline. Again, this XXXX had no answer for me other than \" Check by the end of the day or tomorrow '' I demanded for an escalation and a Case number was provided for my demand. The Case ID # I was given is : XXXX No one from Capital One has contacted me to follow up on all my phone calls and enquiries since all of this began. \nIt is clear that Capital One has little or no regard for its customers and they should be investigated and penalized if these reports are true. \nI am demanding the following : 1 ) A complete investigation into the actions of CapitalOne towards its customers regarding this problem with access to accounts.\n\n2 ) That Capital One be held accountable for all inconveniences and losses experienced by its small business customers 3 ) That CapitalOne be forced by the Federal Government to open physical locations in every city where their customers live in the United States OR If they choose to be an online-only bank, that the Federal Government mandates Capital One to maintain continuous, reliable, uninterrupted online access 24 hours a day without any excuses.","date_sent_to_company":"2025-01-17T18:33:44.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"76063","tags":null,"has_narrative":true,"complaint_id":"11590126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-17T18:00:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["My business savings account with Capital One has been inaccessible to me via the CapitalOne <em>XXXX</em>. As a result, I am unable to withdraw and deposit funds to run my business efficiently. Furthermore, I am unable to seek help at any <em>physical</em> <em>location</em> because Capital One has closed all the <em>physical</em> <em>locations</em> in and around my city ( XXXXXXXX <em>XXXX</em>  )."]},"sort":[16.521132,"11590126"]},{"_index":"complaint-public-v1","_id":"4048753","_score":16.49501,"_source":{"product":"Checking or savings account","complaint_what_happened":"The Bank ( Wells Fargo ) claimed they lost my home address from their system/file and blocked all my online transactions. After keeping me on the phone for an hour and half, they told me I have to go to a physical location 20 miles away. I wasted half a day in getting this resolved for an error committed by the Bank. Bank is not providing the cause and I am concerned about my personal information not being handled in safe manner. \n\nDate : XX/XX/2020 Action : I was attempting to use Express Send / Money Transfer.","date_sent_to_company":"2021-01-05T20:26:34.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"60564","tags":null,"has_narrative":true,"complaint_id":"4048753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-01-05T20:04:35.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["The Bank ( Wells Fargo ) claimed they lost my home address from their <em>system</em>/file and blocked all my online transactions. After keeping me on the phone for an hour and half, they told me I have to go to a <em>physical</em> <em>location</em> 20 miles away. I wasted half a day in getting this resolved for an error committed by the Bank. Bank is not providing the cause and I am concerned about my personal information not being handled in safe manner."]},"sort":[16.49501,"4048753"]},{"_index":"complaint-public-v1","_id":"7964292","_score":16.434187,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a physician and am trying to setup a business seeing patients. I have tried to open a small business checking account at XXXX and keep getting refused because ChexSystems is reporting my credit history as frozen. Today I went to a physical bank location and a banker got the same false information from ChexSystems. \n\nMy credit history was frozen for security purposes at all XXXX credit bureaus. It has been over ten days that all credit histories are unfrozen. \n\nI NEVER placed a freeze with ChexSystems. I did not even know about ChexSystems until I found out they were providing banks with false information on me. \n\nI am suffering HUGE financial losses because I am unable to transact financial payments and collect payments from patients. This is only and ONLY due to ChexSystems preventing a law abiding citizen from conducting legal business by blocking their ability to conduct financial transactions.","date_sent_to_company":"2023-12-08T03:30:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"7964292","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2023-12-08T03:17:09.000Z","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 tried to open a small business checking account at <em>XXXX</em> and keep getting refused because Chex<em>Systems</em> is reporting my credit history as frozen. Today I went to a <em>physical</em> bank <em>location</em> and a banker got the same false information from Chex<em>Systems</em>. \n\nMy credit history was frozen for security purposes at all <em>XXXX</em> credit bureaus. It has been over ten days that all credit histories are unfrozen. \n\nI NEVER placed a freeze with Chex<em>Systems</em>."]},"sort":[16.434187,"7964292"]},{"_index":"complaint-public-v1","_id":"14311230","_score":16.397581,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I applied for a loan with Ace Cash Express but was denied. Despite being denied, I was still charged {$290.00}. This charge is unauthorized and was never disclosed or agreed to. I tried to call their customer service but only got an automated system with no option to speak to a live person. The nearest physical location is in XXXX XXXX, which I can not reach. I have also emailed them and received no resolution. I want a full refund of the {$290.00} immediately. L This feels like fraud or predatory behavior. I never signed for or agreed to a {$290.00} charge for a loan that was ultimately denied. I need help resolving this.","date_sent_to_company":"2025-06-26T22:35:24.000Z","issue":"Can't contact lender or servicer","sub_product":"Payday loan","zip_code":"94080","tags":null,"has_narrative":true,"complaint_id":"14311230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","date_received":"2025-06-26T22:28:20.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I tried to call their customer service but only got an automated <em>system</em> with no option to speak to a live person. The nearest <em>physical</em> <em>location</em> is in <em>XXXX</em> <em>XXXX</em>, which I can not reach. I have also emailed them and received no resolution. I want a full refund of the {$290.00} immediately. L This feels like fraud or predatory behavior. I never signed for or agreed to a {$290.00} charge for a loan that was ultimately denied. I need help resolving this."]},"sort":[16.397581,"14311230"]},{"_index":"complaint-public-v1","_id":"3760082","_score":16.010666,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2020 XXXXXXXX transferred all of my funds ( Checking & Savings ) to First Horizon Bank as part of a merge. Closures done without my knowledge & consent. After discovering my emptied accounts. I contacted XXXX XXXX gave me a phone number to First Horizon. After an hour on hold I was directed to the web site to access my new accounts. I was not provided with checks & still waiting for checks. Unable to pay bills. \n\nI live in XXXX XXXX. First Horizon does not nor are they going to open a physical location in the XXXX XXXX XXXX. I have been informed that all new physical First Horizon expansion 's are in the NC & Va. \n\nToday ( XX/XX/2020 ) I tried to transfer my Saving 's Account monies to new bank. The online cutomer portal would not allow me to access my new bank & account. Again, telephoned Customer Service. On the third attempt ( placed back into general que once, & disconnected from the system once ) I was then told it was impossible to telephone wire from account to account & that I would have to come in to a physical branch. The closest First Horizon Branch is 2.5-3 hour drive from my primary residence.","date_sent_to_company":"2020-07-23T20:04:55.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"32817","tags":"Servicemember","has_narrative":true,"complaint_id":"3760082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST HORIZON BANK","date_received":"2020-07-23T19:27:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["First Horizon does not nor are they going to open a <em>physical</em> <em>location</em> in the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. I have been informed that all new <em>physical</em> First Horizon expansion 's are in the NC & Va. \n\nToday ( <em>XX/XX</em>/2020 ) I tried to transfer my Saving 's Account monies to new bank. The online cutomer portal would not allow me to access my new bank & account. Again, telephoned Customer Service."]},"sort":[16.010666,"3760082"]},{"_index":"complaint-public-v1","_id":"10030099","_score":15.896806,"_source":{"product":"Checking or savings account","complaint_what_happened":"Called PNC customer service to close all of my deposit accounts on XX/XX/24. Confirmed with call agent that I wanted all of my virtual wallet accounts closed. Received some email communications confirming accounts had been closed. But also began receiving email and physical mail communications about a money market account with PNC that I did not open. I assume they accidentally converted the savings account in the virtual wallet to an XXXX? I stopped in a branch near my work on XXXX in downtown XXXX but they were not capable of addressing at that location. Called the call center on XXXX, but the automated system was no working -- it kept repeating that it was having trouble hearing me. I want the mystery account closed.","date_sent_to_company":"2024-09-05T17:53:31.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"45215","tags":null,"has_narrative":true,"complaint_id":"10030099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-09-05T17:46:18.000Z","state":"OH","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I stopped in a branch near my work on <em>XXXX</em> in downtown <em>XXXX</em> but they were not capable of addressing at that <em>location</em>. Called the call center on <em>XXXX</em>, but the automated <em>system</em> was no working -- it kept repeating that it was having trouble hearing me. I want the mystery account closed."]},"sort":[15.896806,"10030099"]},{"_index":"complaint-public-v1","_id":"18551328","_score":15.804929,"_source":{"product":"Prepaid card","complaint_what_happened":"Monday on XX/XX/XXXX I called XXXX to resolve the issue of not being able to use my Vanilla Visa Gift card online or sign in to see the balance ( after using it to make previous purchases online ). I wasnt able to find the issue listed in the automated system, and eventually was put through to customer service. I was told it was active and had a balance of {$57.00} dollars. The man was unable to find an issue with my account, and told me it was probably a problem with the seller being outside of the XXXX, which it was not. He also told me to try and use it at a physical location which didn't work either. None of the transactions were listed to the vanilla company. About an hour ago today on XXXX XXXXXX/XX/XXXX I tried to get back through to a human instead of the automated system which still did not work and it hung up on me multiple times. I then tried to get in contact with the card issuer ( XXXXXXXX XXXX  ) and was hung up on by the automated system twice. I was calling within the working hours of both companies.","date_sent_to_company":"2026-01-08T00:22:48.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"97068","tags":null,"has_narrative":true,"complaint_id":"18551328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Incomm Holdings Inc.","date_received":"2026-01-08T00:07:03.000Z","state":"OR","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["The man was unable to find an issue with my account, and told me it was probably a problem with the seller being outside of the <em>XXXX</em>, which it was not. He also told me to try and use it at a <em>physical</em> <em>location</em> which didn't work either. None of the transactions were listed to the vanilla company. About an hour ago today on <em>XXXX</em> XXXXXX/XX/<em>XXXX</em> I tried to get back through to a human instead of the automated <em>system</em> which still did not work and it hung up on me multiple times."]},"sort":[15.804929,"18551328"]},{"_index":"complaint-public-v1","_id":"13673735","_score":15.644334,"_source":{"product":"Credit card","complaint_what_happened":"This letter is submitted in support of my ongoing fraud investigation, Case Number XXXX with Barclay Card US, regarding unauthorized charges made to my account. I have provided verifiable, system-level evidence that confirms my physical location and professional activity on both XX/XX/year>, and XX/XX/year>, thereby demonstrating the geographic impossibility of my involvement in either transaction. BarclayCardUS has denied this is fraud and has closed the claim despite XXXX XXXX Police Department opening a case file. \n( # XXXX ) Overview of Events The charges in question occurred on XX/XX/year> ( XXXX ) for {$98.00} and XX/XX/year> ( XXXX ) for {$98.00}, both processed at physical locations over XXXX hours from my residence. Barclay disputes this and says it was physical swipe. I am single and no one has access to the card. \nI reported these charges as soon as they were discovered, within the 60 day window and closed the card. \nOn each date, I was working from my home office developing materials for a national medical education course. \nXX/XX/year> ( XXXX ) File-Based Documentation of Course Development XXXX. Timestamped File XXXX XXXX XXXX XXXXecture file titled \" Introduction to XXXX XXXX with XXXX XXXXpptx '' was : o Created : XX/XX/year> o Last Modified : XX/XX/year> at XXXXXXXX XXXX XXXX Accessed : XX/XX/year> to show version history File properties show : o Exclusive authorship under my personal OneDrive account o Document created and edited locally from my home system XXXX. XXXXXXXX XXXX Version History Internal version tracking shows : o Edits on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and into the afternoon o Evidence of sustained interaction throughout the morning and early afternoon 3. Screenshot and Path Evidence File path screenshots confirm : o Document was created and stored inside a teaching folder named \" XXXX XXXX XXXX on my hard drive o No evidence of file syncing, editing, or access from any outside location ________________________________________ XX/XX/year> ( XXXX ) Timestamped XXXX XXXXranscript Activity XXXX. XXXX XXXX XXXX I use XXXX as a key component of my live course preparation process. \nOn XX/XX/year>, I engaged in multiple structured content drafting sessions tied to the same curriculum above. \nMetadata logs show : o A XXXX response created at XXXXXXXX XXXX on XX/XX/year> ( epoch time : XXXX ) o The data is taken directly from the raw export .json system file, not altered or edited post-download. I can reproduce this on demand. \nXXXX. Desktop File Capture Supporting screenshots show : o Export timestamps and session naming consistent with course content development o Content Redaction and Consistency The content of the XX/XX/XXXX transcript has been intentionally redacted in the included screenshots due to private clinical case structure, but the XXXX is intact. \nThe visual timestamps and machine-generated file paths confirm XXXX platform XXXX on XX/XX/XXXX during the same timeframe as the disputed charge. \n________________________________________ Conclusion The documentation submitted here confirms I was : Present and active on my home workstation during both transaction windows Engaged in a continuous curriculum development process for a published, live medical course ( verifiable online ). \nNot in proximity to the charge location, and never authorized the purchases in question All screenshots and metadata are available in high-resolution, if needed in digital or printed form as well as a copy of the police report.","date_sent_to_company":"2025-05-30T18:07:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92130","tags":"Servicemember","has_narrative":true,"complaint_id":"13673735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-05-23T15:45:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["This letter is submitted in support of my ongoing fraud investigation, Case Number <em>XXXX</em> with Barclay Card US, regarding unauthorized charges made to my account. I have provided verifiable, <em>system</em>-level evidence that confirms my <em>physical</em> <em>location</em> and professional activity on both XX/XX/year>, and XX/XX/year>, thereby demonstrating the geographic impossibility of my involvement in either transaction."]},"sort":[15.644334,"13673735"]},{"_index":"complaint-public-v1","_id":"18507126","_score":15.5513,"_source":{"product":"Prepaid card","complaint_what_happened":"I received XXXX Vanilla Visa gift cards as gifts on different dates. XXXX card was received in XX/XX/XXXX and the second card was received in XX/XX/XXXX. Neither card has ever worked. \n\nCard XXXX returns a system error stating that the card does not exist. The card number is not recognized online or by customer service systems. \n\nCard XXXX was successfully registered and shows a {$50.00} balance. However, it declines at all merchants. I attempted to use it at multiple physical retail locations and it was declined each time. No pending charges or holds appear. The balance remains visible, but the card can not authorize transactions. \n\nI contacted Vanilla customer support by phone and was repeatedly routed back to their website without reaching a resolution. I submitted an email support request over a week ago and have not received any response. \n\nAt this point, I am unable to access {$100.00} in funds that were paid for and activated. There is no effective customer support path to resolve this issue. \n\nI am requesting replacement cards or a refund of the full remaining balances.","date_sent_to_company":"2026-01-12T22:27:36.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"18507126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Incomm Holdings Inc.","date_received":"2026-01-06T19:15:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["I received <em>XXXX</em> Vanilla Visa gift cards as gifts on different dates. <em>XXXX</em> card was received in XX/XX/<em>XXXX</em> and the second card was received in XX/XX/<em>XXXX</em>. Neither card has ever worked. \n\nCard <em>XXXX</em> returns a <em>system</em> error stating that the card does not exist. The card number is not recognized online or by customer service <em>systems</em>. \n\nCard <em>XXXX</em> was successfully registered and shows a {$50.00} balance. However, it declines at all merchants."]},"sort":[15.5513,"18507126"]},{"_index":"complaint-public-v1","_id":"3254346","_score":15.538481,"_source":{"product":"Checking or savings account","complaint_what_happened":"Cadence Bank sends notifications of the customer account activities via unsecured and not encrypted email messages. The information in the messages includes payment transaction amounts and names of the payees and is made accessible by unauthorized third parties. \n\nWhen contacted by the customer about the issue, Cadence Bank responded that they do not consider transaction amounts and payee 's addresses sensitive information. \n\nCadence bank rationale of not protecting transaction amounts and payee addresses as sensitive information, as expressed in the attached response from its customer service, was that it is the same information \" as would be printed on a physical receipt at any merchant ''. \n\nWhile I understand that certain physical instruments used in processing payments by the banking systems contain payee 's name and transaction amount, I expect that such physical instruments are protected from being accessed by unauthorized third parties by being physically stored in secured locations or transported by mail carriers with appropriate level of security. It appears to me that Cadence Bank 's management does not understand the difference between storing and transporting sensitive customer data via physical instruments and unsecured and not encrypted email messages. \n\nPerhaps the Cadence Bank 's management is not aware that information that is transmitted by unsecured email messages is travelling through multiple internet cables and routers, it is being stored in unsecured and not encrypted form by many parties handling the data transmission, and as such is easily accessible by unauthorized third parties anywhere in the world. \n\nThere are plenty information online describing why companies should not use unsecured email to transmit the type of information that consumers would like to keep private. For example, a quick internet search can point Cadence Bank management to the following article XXXX XXXX XXXX","date_sent_to_company":"2019-05-26T20:03:44.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"021XX","tags":null,"has_narrative":true,"complaint_id":"3254346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CADENCE BANCORPORATION","date_received":"2019-05-26T19:20:09.000Z","state":"MA","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":["While I understand that certain <em>physical</em> instruments used in processing payments by the banking <em>systems</em> contain payee 's name and transaction amount, I expect that such <em>physical</em> instruments are protected from being accessed by unauthorized third parties by being physically stored in secured <em>locations</em> or transported by mail carriers with appropriate level of security."]},"sort":[15.538481,"3254346"]},{"_index":"complaint-public-v1","_id":"6937634","_score":15.161701,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2023 I received 5 emails from Bank of America asking me to verify my email address ; Welcome to Online Banking ; Verify Email Address ; Welcome to Mobile Banking ; and Unable to Open Account. I have not attempted to open any accounts with Bank of America. Following these emails, on XX/XX/2023 I received a physical letter at my residence mail stating the account application was declined ; this letter showed a company name as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, mention of XXXX as location. Nothing of which I recognize. All attempts to contact Bank of America Fraud result in no answer ; request for account numbers to get a representative ( if you don't have an account, you can not progress on the phone system ) or full SSN - and continuous disconnections.","date_sent_to_company":"2023-05-06T20:29:15.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"24018","tags":null,"has_narrative":true,"complaint_id":"6937634","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-05-06T20:16:55.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["Following these emails, on <em>XX/XX</em>/2023 I received a <em>physical</em> letter at my residence mail stating the account application was declined ; this letter showed a company name as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX, mention of <em>XXXX</em> as <em>location</em>. Nothing of which I recognize."]},"sort":[15.161701,"6937634"]},{"_index":"complaint-public-v1","_id":"3017995","_score":15.102222,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX XXXX OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17","date_sent_to_company":"2018-09-13T11:51:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"441XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3017995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-09-13T11:51:51.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I thought going into a <em>physical</em> <em>location</em> I would be able to get the issue rectified and I was told they work on two different <em>systems</em>. After visiting the <em>location</em> on <em>XXXX</em> in <em>XXXX</em> <em>XXXX</em> OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} <em>XX/XX</em>/17"]},"sort":[15.102222,"3017995"]},{"_index":"complaint-public-v1","_id":"3017994","_score":15.082613,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX , OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17","date_sent_to_company":"2018-09-13T11:51:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"441XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3017994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BTH Management","date_received":"2018-09-13T11:32:58.000Z","state":"OH","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I thought going into a <em>physical</em> <em>location</em> I would be able to get the issue rectified and I was told they work on two different <em>systems</em>. After visiting the <em>location</em> on <em>XXXX</em> in <em>XXXX</em> , OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} <em>XX/XX</em>/17"]},"sort":[15.082613,"3017994"]},{"_index":"complaint-public-v1","_id":"2824776","_score":14.967727,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Late in XX/XX/ I requested payment from my well established bank account through PayPal to a XXXX seller. They failed to draw the funds, then blamed me, then blocked my account. I made an effort to pay them once the negative XXXX balance showed up, but the blocked me from drawing funds from my bank. Their claim was that my BILLING address was a XXXX XXXX and thus did not meet the XXXX  's newly set in XX/XX/. I furnished them with the required 'new account ' documentation, photo ID, SOSEC card and Utility bill showing my PHYSICAL ADDRESS.. I received an email saying my account was \" Restored ''. However in the next weeks they continued to block my use of funds from my bank account, citing the same reason. This has continued for now over eight months. They demand that my BILLING address, my CONTACT address all be my PHYSICAL address. This if course would mean that I would LIE, if I entered my BILLING address as my PHYSICAL address. \n\nWhere I live there is NO home delivery of mail, thus all my financial institutions, the county tax bills, the utility bills and even the IRS utilize the authorized XXXX XXXX in XXXX XXXX. ONLY PayPal deliberately misuses the XXXX 's to harass and block payments from those US Citizens who reside in rural America from being able to make payments from their bank accounts. \n\nThis, I feel is clear DISCRIMINATION based upon my location of residence, that the US 'government ' in the USPS does not serve me at my PHYSICAL address. Should I enter my PHYSICAL address as PayPal wishes, then I am -=lying=- regarding my credit card and bank BILLING address. That could be charged as a fraudulent action upon -=my=- part! \n\nWe altered my one CC to show the address, including on the 2nd line my PHYSICAL address. This on their dictate, but once done - it was again refused as \" being in compliance with the current XXXX 's ''. Again in XX/XX/, I went through hours of conversation with a supervisory level person, re-submitted ALL the documentation. She emailed \" Our review is complete and we have returned your account to regular standing. '' However I was still blocked from accessing my bank account to make transactions. They keep saying : \" I have read the thread of your emails since XXXX and saw the documents you sent. As it stands, PayPal requires a physical address so you can make bank transactions using your account. '' IF they saw the documents, then I have complied with the XXXX 's and they should not further DISCRIMINATE against me because of my BILLING, CONTACT or MAILING address! \n\nI am not alone, from chat boards, PayPal has been rapidly blocking all those outside the cities that do not directly receive mail at their home. Yes, I could put a mailbox out on the highway and use the FAKE address assigned to that from the USPS, but that also is NOT my physical address! \n\nIF PayPal had a PHYSICAL address form, a BILLING and CONTACT address form, then they would easily see the correct facts. It has been suggested, yet that keep maintaining the same 'mantra ' ... \" This is the result of the U.S. Banking System requiring customers to provide a physical mailing address due to XXXX. XXXX are no longer acceptable. This impacts the customer 's ability to process transactions using their bank account and is advised to update their information. '' NOTE : they insist upon a PHYSICAL MAILING address - which of course does not exist due to the USPS not delivering to my home of residence! Proof of a PHYSICAL MAILING address is NOT part of the XXXX 's, only a PHYSICAL RESIDENTIAL address! \n\nPayPal 's DISCRIMINATION based upon my residence location continues ...","date_sent_to_company":"2018-02-24T20:03:59.000Z","issue":"Other service problem","sub_product":"International money transfer","zip_code":"985XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2824776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2018-02-24T18:51:20.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Yes, I could put a mailbox out on the highway and use the FAKE address assigned to that from the USPS, but that also is NOT my <em>physical</em> address! \n\nIF PayPal had a <em>PHYSICAL</em> address form, a BILLING and CONTACT address form, then they would easily see the correct facts. It has been suggested, yet that keep maintaining the same 'mantra ' ... \" This is the result of the U.S. Banking <em>System</em> requiring customers to provide a <em>physical</em> mailing address due to <em>XXXX</em>. <em>XXXX</em> are no longer acceptable."]},"sort":[14.967727,"2824776"]},{"_index":"complaint-public-v1","_id":"11729257","_score":14.902613,"_source":{"product":"Credit card","complaint_what_happened":"On or about XX/XX/XXXX, Capital One sent me emails relating to purchases that they suspected as fraudulent on my Capital One Quicksilver card. I recognized a large number of transactions as fraudulent. Shortly thereafter I called Capital One while we went through all of those transactions and I indicated that they were fraudulent. \n\nThe gentleman on the phone asked me if I had physical possession of the card in question at the time that the transactions were made. I indicated that I did have the card in my wallet in my house. He stated that that was strange because the purchases had been made with the physical card. \n\nNonetheless, he accepted the transactions and initiated an investigation. Capital One followed up with several documents that I will attach to this Complaint. Ultimately they determined that the purchases could not have been fraudulent because it would have been impossible for someone to make these purchases without possession of the physical card. I followed up with them on the telephone today to inquire how that is possible. I did not make these purchases. These purchases were largely made at businesses and locations that I have never visited. These transactions were made over the course of 1-2 days and in quantities that are inconsistent with my use of the card over the time I have had an account. Additionally, they were suspicious enough that their own automated emails were sent to me. Yet once I agree with their system that they are, in fact, fraudulent they state that it is impossible that they are. I'd be happy to sign an affidavit or otherwise legally affirm the fraudulent nature of these transactions. Please let me know if there is any additional information that I can provide that will aid in the resolution of this Complaint. \n\nIn researching my options regarding this issue, I noticed that Capital One apparently does have a history of stating that fraud is impossible and that a physical card was used even when some vendors, when contacted by the cardholder, state that they were not made in person and with a physical card. XXXX XXXX XXXX? XXXX","date_sent_to_company":"2025-01-23T22:08:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"455XX","tags":null,"has_narrative":true,"complaint_id":"11729257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-23T21:46:10.000Z","state":"OH","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["In researching my options regarding this issue, I noticed that Capital One apparently does have a history of stating that fraud is impossible and that a <em>physical</em> card was used even when some vendors, when contacted by the cardholder, state that they were not made in person and with a <em>physical</em> card. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>? <em>XXXX</em>"]},"sort":[14.902613,"11729257"]},{"_index":"complaint-public-v1","_id":"6510372","_score":14.875991,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"on XX/XX/XXXX XXXX i visited 3 XXXX locations and purchased 3 vanilla visa gift cards in the amount of {$500.00} each totaling {$1500.00}. \nWhen attempting to activate the cards and to check the balance on each if the cards the online system displayed \" system error please try again later '' and would not even display any account information or balances. \nWhen i used the telephone system to do the same i tried with each card and tge response i received was \" there is an issue with the card number you have entered '' and never gave any information about any of the three cards. \nI tried each of the online and telephone systems fir several days until i just contacted vanilla visa from the number on the physical card, their response was contact the retailer. XXXX XXXX XXXX So i did just that, i emailed a few times with an unknown rep snd they asked me for copies of the receipts and pictures of the cards. I sent all of the requested items ( also attached ) and have not gotten any reply. \nI complained to the XXXX  and received a response from XXXX telling me i need to send the picture 's in a certain format. ( XXXX XXXX XXXX  ) which i did and it has bern weeks and no response. \nI have not been able to use the cards or check balance. they keep replying insufficient funds when attempting to use.","date_sent_to_company":"2023-03-17T23:16:48.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"60640","tags":null,"has_narrative":true,"complaint_id":"6510372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Incomm Holdings Inc.","date_received":"2023-01-31T21:23:43.000Z","state":"IL","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["on XX/XX/<em>XXXX</em> <em>XXXX</em> i visited 3 <em>XXXX</em> <em>locations</em> and purchased 3 vanilla visa gift cards in the amount of {$500.00} each totaling {$1500.00}. \nWhen attempting to activate the cards and to check the balance on each if the cards the online <em>system</em> displayed \" <em>system</em> error please try again later '' and would not even display any account information or balances."]},"sort":[14.875991,"6510372"]},{"_index":"complaint-public-v1","_id":"22199893","_score":14.823996,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chase Bank denied my fraud claim for an unauthorized XXXX withdrawal of {$200.00}. Chase 's automated system claimed no fraud occurred because a PIN was used. However, this transaction occurred at a third-party XXXX XXXX XXXX  where I am verbally banned and have not set foot on the property for months. Furthermore, this exact XXXX XXXX XXXX has a history of fraud ; my previous bank cards like XXXXXXXX XXXX XXXX were also skimmed and compromised at this identical location in the past. Chase failed to investigate the physical security compromise or request terminal surveillance footage, which would visually prove a stranger used a cloned card. I demand a human review under Regulation E. Ive sent proof regarding transactions from that same atm with that same address in the past Ive never used the atm there in months to a year I couldnt since Ive been banned and the banks would do absolutely nothing to prevent this potential skimming.","date_sent_to_company":"2026-05-14T14:41:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"44129","tags":null,"has_narrative":true,"complaint_id":"22199893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-05-14T14:21:25.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Chase Bank denied my fraud claim for an unauthorized <em>XXXX</em> withdrawal of {$200.00}. Chase 's automated <em>system</em> claimed no fraud occurred because a PIN was used. However, this transaction occurred at a third-party <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  where I am verbally banned and have not set foot on the property for months. Furthermore, this exact <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has a history of fraud ; my previous bank cards like XXXXXXXX <em>XXXX</em> <em>XXXX</em> were also skimmed and compromised at this identical <em>location</em> in the past."]},"sort":[14.823996,"22199893"]},{"_index":"complaint-public-v1","_id":"2737999","_score":14.762769,"_source":{"product":"Mortgage","complaint_what_happened":"I tried to make a payment and was forced to choose the following calendar day. This caused a negative mark on my credit report. I called and spoke to a supervisor and he saw in my account there were multiple errors messages on their system evidencing that I tried to make a payment on the actual due date but the system was simply not allowing it. The system stated that everything after XXXX XXXX PST had to be paid the following day. My payment was finally taken at XXXX XXXX PST after multiple tries earlier, which caused it to post the following day. Freedom Mortgage thereafter reported my payment 30 days late. Other banks will take the payment the day it is being paid and if it is processed the next day, it is still marked as received the same date payment was made. After years of having a mortgage I have never been over 30 days late with this company and they have refused to listen to my issue. A Freedom Mortgage supervisor has created a file to try and get them to resolve this issue. He stated after looking at my file that if it were up to him from everything he 's seen, he would have the negative mark deleted from my credit report. This supervisor does not have a direct line customers can access and I have not heard back. Given this bank has no physical location in Nevada and that my payment was timely but not accepted by their computer system, I do feel Freedom Mortgage 's practices are unfair.","date_sent_to_company":"2017-11-26T19:42:08.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"891XX","tags":null,"has_narrative":true,"complaint_id":"2737999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2017-11-26T19:37:13.000Z","state":"NV","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":["Given this bank has no <em>physical</em> <em>location</em> in Nevada and that my payment was timely but not accepted by their computer <em>system</em>, I do feel Freedom Mortgage 's practices are 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