{"took":213,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":37,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6307603","_score":29.671066,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I contacted first digital credit card they advised I cant used my card after paying it off in full by debit card they said if you paid it by debit card my funds would be released but the problem is they lied after paying my card they freeze it and said I needed to send a copy of my payment by mail they got my money instantly and they are charging me a participation fee monthly for a card I can not use and they freeze the card for 30 days I should not pay the participation fee when I do not have access to my account and if they are doing this to me they are doing this to thousands of their card members violating their own card holders agreement where you are paying for a participation fee and no access to your available credit I do not owe a dime on this card and have paid all late fees participation fees and enrollment fees they have a lot of fees they charge and still freeze the consumers card for 30 days when you do not owe them money but want to be paid a monthly participation fee","date_sent_to_company":"2022-12-11T20:16:02.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"39212","tags":"Servicemember","has_narrative":true,"complaint_id":"6307603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2022-12-11T19:57:46.000Z","state":"MS","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I contacted first digital credit <em>card</em> they advised I cant used my <em>card</em> <em>after</em> <em>paying</em> it off in full by debit <em>card</em> they <em>said</em> if you paid it by debit <em>card</em> my funds would be released but the problem is they <em>lied</em> <em>after</em> <em>paying</em> my <em>card</em> they <em>freeze</em> it and <em>said</em> I <em>needed</em> to send a copy of my payment by mail they got my money instantly and they are charging me a participation fee monthly for a <em>card</em> I can not use and they <em>freeze</em> the <em>card</em> for 30 days I should not <em>pay</em> the participation fee when I do not have access"],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"issue":["Trouble using your <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[29.671066,"6307603"]},{"_index":"complaint-public-v1","_id":"9566971","_score":21.332092,"_source":{"product":"Credit card","complaint_what_happened":"My issue at hand is that Chase customer service has refused to allow me to reinstate my payment option for my Chase card. At the beginning of XXXX, I attempted to pay my Chase Amazon Credit Card with my XXXX XXXX bank account. I was in a different state at the time so my XXXX XXXX account flagged it at spam, which caused the Chase account to freeze that payment method and not allow me to use it. When I returned, I immediately unfroze my XXXX XXXX account but I could not use is as my payment account for Chase still. \n\nI called Chase customer service and they said that I needed to fill out a piece of paper that they would send me via mail after 7-10 days and get a letter from my XXXX XXXX XXXX stating the account was okay to use. The customer service rep said I needed to fax this back to them, and then wait 7-10 business days for my paperwork to be approved. I faxed all the necessary paperwork back at the local Chase branch at the beginning of XXXX. \n\nI called the customer service line again as my payment account was still inactive a week later. The said they had never received the paperwork. They asked me to now send them the paperwork over \" secure message '', I said I no longer had the paperwork, could they email me another copy. They said they could not email me a copy and they had to mail me the paperwork, which would take another 10 business days. I asked to speak to a supervisor. The supervisor stated that despite not having the paperwork, he would go ahead and approve my payment method as he had all the necessary information to do so. He said I would have to wait 10 business days and then the payment method would work. \n\nI called back again this previous week, XX/XX/XXXX. The payment method still was not fixed. I talked to a supervisor and she told me they never tried to fix it after that previous conversation with a supervisor. She said that in order to resubmit, I would have to start the nearly month long process of waiting for the paperwork, getting a letter from the bank, sending the paperwork back in, and waiting for approval. After I had already done all this and they lost the paperwork. She said I should just cancel my card. I asked if I could speak to anyone higher regarding this issue and she said no. \n\nI have been dealing with this now for 3 months. I have no other way to pay this card other than driving into the chase bank every month and paying by cash advance. I am frustrated that I have been lied to and strung along by an incredibly ineffective process. I am currently in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am tired of this constant battle and just want to be able to pay my credit card.","date_sent_to_company":"2024-07-20T10:45:30.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"857XX","tags":null,"has_narrative":true,"complaint_id":"9566971","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-07-20T10:18:56.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I have no other way to <em>pay</em> this <em>card</em> other than driving into the chase bank every month and <em>paying</em> by cash advance. I am frustrated that I have been <em>lied</em> to and strung along by an incredibly ineffective process. I am currently in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am tired of this constant battle and just want to be able to <em>pay</em> my credit <em>card</em>."],"product":["Credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[21.332092,"9566971"]},{"_index":"complaint-public-v1","_id":"3472321","_score":20.528463,"_source":{"product":"Student loan","complaint_what_happened":"I attended XXXX College in XXXX, and graduated in XXXX doing a 9 month program. My school was closed down a few months after I graduated for negligent activities and fraud. \n\nWhen I signed up for the program I had to take out a private loan. The process wasn't clearly explained to me and I acquired a very high interest rate through Sallie Mae. After graduating I deferred my student loan after going back to school. No one from Sallie Mae said anything about interest incruing, and the forbearance process was explained to me as if everything freezes until I'm finished with school. That was a lie. \n\nSo this loan keeps growing and anytime I asked Sallie Mae about refinancing it they said I couldn't do that. I don't have very good credit because of countless health issues and prior medical bills so I can't refinance it through a bank. I'm also now XXXX and not working. \n\nWhen they switched my loan over to navient I had the same problems. They were calling me nonstop for years and every bit I did pay didn't go to the principal of the loan. I was paying the loan back through one of  their payment assistance programs that was for a year period and would need to be renewed after a year. I had to authorize debit card transactions. Navient has been trying to take money out of a bank account that is no longer open, that I had over three years ago, that they do not have access to, and was not agreed to based on last payment program I was on. This was a bank account that I haven't had since XXXX and have tried to delete from their website. \n\nThey do not, and have not had my permission to charge that card since at the very latest, XXXX. How is this legal? I have also tried to get a XXXX loan forgiveness and they say they do not do that for private loans.","date_sent_to_company":"2019-12-19T09:43:45.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"60504","tags":null,"has_narrative":true,"complaint_id":"3472321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-12-19T04:25:45.000Z","state":"IL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["They were calling me nonstop for years and every bit I did <em>pay</em> didn't go to the principal of the loan. I was <em>paying</em> the loan back through one of  their payment assistance programs that was for a year period and would <em>need</em> to be renewed <em>after</em> a year. I had to authorize debit <em>card</em> transactions."]},"sort":[20.528463,"3472321"]},{"_index":"complaint-public-v1","_id":"2740208","_score":20.298313,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Citibank is clearly and obviously discriminating against me. Citibank approved me for a BestBuy XXXX card nearly two years ago. They also gave me a Citi AADvantage MasterCard, a XXXX and XXXX XXXX card and a XXXX XXXX XXXX credit card. Citibank has treated me unfairly over the past few years. And on XX/XX/XXXX at XXXX I sent a message to Citibank letting them know that they have treated me awful. I said nothing bad. I just said you have treated me awful. The next day the closed all my credit cards. Their excuse was that I had too many recent inquiries on my credit report. I disagreed with that because I have a credit freeze on my credit and a 90 day fraud alert and a block on my XXXX report. I have solid evidence that Citibank has discriminated against me. I will not disclose too much because I am exploring legal options. All my credit cards with Citibank had a {$0.00} balance because I always pay them in full. Citibank claimed that they review the accounts and credit every six months. However conveniently Citibank closes my cards less than 24 hours after I sent my message to them. I retained a copy of that message for my records. Citibank wo n't even hire me because not only because I am XXXX XXXXXXXX which I have information and witnesses to confirm my claim, but also because I am over XXXX. Customers need to be made aware of Citibank 's discrimination against minorities so that they can make an informed decision before they bank with Citibank. I monitor my credit everyday. My credit score is good, and there were no recent inquiries due to the credit freeze on all three bureaus. Citibank lied to me when they closed all of my Citi cards. They closed them because they do n't like me, and when I called them out on it via secured message, they closed my cards. SHAME ON CITIBANK.","date_sent_to_company":"2017-11-29T09:30:28.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"92808","tags":null,"has_narrative":true,"complaint_id":"2740208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-11-29T03:59:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Citibank approved me for a BestBuy XXXX <em>card</em> nearly two years ago. They also gave me a Citi AADvantage Master<em>Card</em>, a XXXX and XXXX XXXX <em>card</em> and a XXXX XXXX XXXX credit <em>card</em>. Citibank has treated me unfairly over the past few years. And on XX/XX/XXXX at XXXX I sent a message to Citibank letting them know that they have treated me awful. I <em>said</em> nothing bad. I just <em>said</em> you have treated me awful. The next day the closed all my credit cards."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[20.298313,"2740208"]},{"_index":"complaint-public-v1","_id":"4146386","_score":19.067162,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I attempted to use my B of A card to make a purchase at XXXX XXXX for close to {$70.00}. The card was only authorized for just over a dollar. I told the cashier, that cant be right because I had just received my UI benefits payment a couple days earlier of nearly {$700.00}. She attempted to run again with same outcome. I used another form of payment, and went straight to my car and investigated. I logged onto my BofA account to see that a couple days prior someone had used an ATM to check the balance on the card, then proceeded to drain {$700.00} out at one time, reducing my balance to just over {$30.00}. ( I got {$30.00} of gas on the way to XXXX XXXX completely unaware of what had transpired. I immediately called the number on the card and B of A transferred me to claims where I was disconnected. I called back, and was able to speak to someone who told me that they were sending a replacement card in 2 days, and I was able to file a claim. They said in 10 days I would receive some important paperwork that I needed to immediately fill out and return. I was upset, but relieved that a claim was in process. In a little more than 10 days, I received a letter informing me my case was closed. Then began my frustrating attempt at getting any information about why my case was closed. I have always used a nice demeanor, and been patient with the agents, but have either been denied access to info on my claim, been accidentally disconnected many times, and on my 6th call, they asked for my phone number as they said they didnt have it on file. ( I provided it during initial claim ) 8th call a lady said she put what was called a freeze tracker on my account and that it should have been placed on my account in beginning. I have notes written all over my claim closure letter, as well as a recording of one of the agents one of the several times they told me that XXXX was responsible for the freeze. I called XXXX a total of 3 times throughout the process because B of A said it was their fault. Each time XXXX told me it wasnt them and that they know they are talking to me, my XXXX account is open and fully functional, and that B of A is the one who needs to lift the freeze. I have been passed back and forth like a tennis ball wasting literal hours and days on the phone on hold or trying to get through. \nI should tell you also, I immediately called XXXX after I initially called B of A to report to them that my card had been compromised. I switched to paper checks as I dont trust the card, and have since received a check for my continuing benefits. I am all good with XXXX, its Bank of America that is the problem. \nMy last call so far was yesterday where the agent again told me my account was still frozen and there is no estimate on when it will be taken care of. \nI am beyond frustrated as I have been finding story after horror story of the same thing happening to people and their money being tied up in B of A for upwards of 6 months or more. I cant afford to wait that long for {$700.00} .. it may be little to some but its a lot to me. I dont think B of A should be able to continue to get away with these practices that are absolutely leaving their customers in a terrible lurch. The agents are lying to the customers, diverting them away to buy time, and doing many other extremely, in my opinion unethical things to avoid paying claims. It was my money.. I was the only one who had knowledge of my PIN number and my card has never left my wallet. I dont even know how someone had a copy of card and the pin. I need help and I think this company should pay for what they are doing to people. I will continue to receive my benefits in paper check form and never patronize B of A for any banking services as they are dishonest and fraudulent in their own right.","date_sent_to_company":"2021-02-17T15:24:21.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"920XX","tags":null,"has_narrative":true,"complaint_id":"4146386","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-02-17T14:46:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["The agents are <em>lying</em> to the customers, diverting them away to buy time, and doing many other extremely, in my opinion unethical things to avoid <em>paying</em> claims. It was my money.. I was the only one who had knowledge of my PIN number and my <em>card</em> has never left my wallet. I dont even know how someone had a copy of <em>card</em> and the pin. I <em>need</em> help and I think this company should <em>pay</em> for what they are doing to people."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["Charged for a purchase or transfer you did not make with the <em>card</em>"]},"sort":[19.067162,"4146386"]},{"_index":"complaint-public-v1","_id":"4513711","_score":18.77845,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had fraud on equifax report 8 years ago and they put I pay 1 payment a year to not take this illegal way of keeping on my report. \n\nThey tricked me and when I got XXXX XXXX credit card and asked could it have been family or friends? I didn't know 1 month after fraud happened. They then said they couldn't take off credit for 7 years because I said it could be family or friends which it was overseas fraud. Whoever did this took XXXX XXXX dollars cash in 3 weeks without calling me to see if it was right or fraud. They are going to be sued, my attorney general will be called, my personal lawyer will take them to don't for blindly lying to meThey admit they lost police report, lawyer report and ftc repirt.Then their investigation was just as bad as the fraud. They did nothing that the FAIR CREDIT REPORTING AGENCY MAKES SECTION 604, 609, 611 AND 623 AGAINST THE LAW ( FEDERAL AND STATE ) IN 3 WEEKS THEY HAVE NO ID, TAPES, SIGNATURES OR LETTERS STATING I COMMITTED THIS WHICH I HAD TOP SECRET CLEARENCE MY WHLE LIFE. THEY NEED SNOTHER CLASS AGENCY LAWSUIT AGAINST THEM BECAUSE THEY DONT TRAIN THEIR XXXX WORKERS SMERICAN LAWS. I SWEAR I WI BE RICH IF THEY DONT TAKE OFF THE XXXXXXXX XXXX XXXX OF XXXX XXXX DOLLARS, LATE PAYMENTS OVER 5 YEARS AGO THAT WERE PAID AND XXXX HARD ONQUIREYS THAT I HAD FREEZE ON. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-07-03T21:07:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17406","tags":"Servicemember","has_narrative":true,"complaint_id":"4513711","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-03T21:07:01.000Z","state":"PA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I had fraud on equifax report 8 years ago and they put I <em>pay</em> 1 payment a year to not take this illegal way of keeping on my report. \n\nThey tricked me and when I got XXXX XXXX credit <em>card</em> and asked could it have been family or friends? I didn't know 1 month <em>after</em> fraud happened. They then <em>said</em> they couldn't take off credit for 7 years because I <em>said</em> it could be family or friends which it was overseas fraud."]},"sort":[18.77845,"4513711"]},{"_index":"complaint-public-v1","_id":"4513710","_score":18.77845,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had fraud on equifax report 8 years ago and they put I pay 1 payment a year to not take this illegal way of keeping on my report. \n\nThey tricked me and when I got XXXX XXXX credit card and asked could it have been family or friends? I didn't know 1 month after fraud happened. They then said they couldn't take off credit for 7 years because I said it could be family or friends which it was overseas fraud. Whoever did this took XXXX XXXX dollars cash in 3 weeks without calling me to see if it was right or fraud. They are going to be sued, my attorney general will be called, my personal lawyer will take them to don't for blindly lying to meThey admit they lost police report, lawyer report and ftc repirt.Then their investigation was just as bad as the fraud. They did nothing that the FAIR CREDIT REPORTING AGENCY MAKES SECTION 604, 609, 611 AND 623 AGAINST THE LAW ( FEDERAL AND STATE ) IN 3 WEEKS THEY HAVE NO ID, TAPES, SIGNATURES OR LETTERS STATING I COMMITTED THIS WHICH I HAD TOP SECRET CLEARENCE MY WHLE LIFE. THEY NEED SNOTHER CLASS AGENCY LAWSUIT AGAINST THEM BECAUSE THEY DONT TRAIN THEIR XXXX WORKERS SMERICAN LAWS. I SWEAR I WI BE RICH IF THEY DONT TAKE OFF THE XXXXXXXX XXXX XXXX OF XXXX XXXX DOLLARS, LATE PAYMENTS OVER 5 YEARS AGO THAT WERE PAID AND XXXX HARD ONQUIREYS THAT I HAD FREEZE ON. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-07-03T21:06:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17406","tags":"Servicemember","has_narrative":true,"complaint_id":"4513710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-03T20:43:22.000Z","state":"PA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I had fraud on equifax report 8 years ago and they put I <em>pay</em> 1 payment a year to not take this illegal way of keeping on my report. \n\nThey tricked me and when I got XXXX XXXX credit <em>card</em> and asked could it have been family or friends? I didn't know 1 month <em>after</em> fraud happened. They then <em>said</em> they couldn't take off credit for 7 years because I <em>said</em> it could be family or friends which it was overseas fraud."]},"sort":[18.77845,"4513710"]},{"_index":"complaint-public-v1","_id":"4513712","_score":18.772495,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had fraud on equifax report 8 years ago and they put I pay 1 payment a year to not take this illegal way of keeping on my report. \n\nThey tricked me and when I got XXXX XXXX credit card and asked could it have been family or friends? I didn't know 1 month after fraud happened. They then said they couldn't take off credit for 7 years because I said it could be family or friends which it was overseas fraud. Whoever did this took XXXX XXXX dollars cash in 3 weeks without calling me to see if it was right or fraud. They are going to be sued, my attorney general will be called, my personal lawyer will take them to don't for blindly lying to meThey admit they lost police report, lawyer report and ftc repirt.Then their investigation was just as bad as the fraud. They did nothing that the FAIR CREDIT REPORTING AGENCY MAKES SECTION 604, 609, 611 AND 623 AGAINST THE LAW ( FEDERAL AND STATE ) IN 3 WEEKS THEY HAVE NO ID, TAPES, SIGNATURES OR LETTERS STATING I COMMITTED THIS WHICH I HAD TOP SECRET CLEARENCE MY WHLE LIFE. THEY NEED SNOTHER CLASS AGENCY LAWSUIT AGAINST THEM BECAUSE THEY DONT TRAIN THEIR XXXX WORKERS SMERICAN LAWS. I SWEAR I WI BE RICH IF THEY DONT TAKE OFF THE XXXXXXXX XXXX XXXX OF XXXX XXXX DOLLARS, LATE PAYMENTS OVER 5 YEARS AGO THAT WERE PAID AND XXXX HARD ONQUIREYS THAT I HAD FREEZE ON. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-07-03T21:07:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17406","tags":"Servicemember","has_narrative":true,"complaint_id":"4513712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-03T21:07:01.000Z","state":"PA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I had fraud on equifax report 8 years ago and they put I <em>pay</em> 1 payment a year to not take this illegal way of keeping on my report. \n\nThey tricked me and when I got XXXX XXXX credit <em>card</em> and asked could it have been family or friends? I didn't know 1 month <em>after</em> fraud happened. They then <em>said</em> they couldn't take off credit for 7 years because I <em>said</em> it could be family or friends which it was overseas fraud."]},"sort":[18.772495,"4513712"]},{"_index":"complaint-public-v1","_id":"16554273","_score":16.748695,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am having issues with XXXX and my acct. First after a couple of attempts to get a debit card I was denied everytime or it keep giving me an error code saying \" there's a problem try again later ''. So I ask customer service why I can not get a debit card and they have no answer for me. Second I try to add a debit card on my XXXX  acct many times and it tells me that there is something wrong with the cards iam putting in. So I tried to put in XXXX brand new cards never been used and it said the same thing. So I ask XXXX why I can not put a debit card in my acct so I can get my money off and there response was the system flagged my cards. So I asked how they flag a brand new never used card. There answer was to try again later that I had done it to many times in one day which is a lie because when I do it I only do one or two at a time then wait one to two weeks and try again and says same thing something wrong with my card. And they tell me the same dam story over and over. Try again in a couple hours I told them it's been a week or two and still says same thing. And I still don't know why I can not add a debit card. Third I was told by XXXX  to add my banking info so I tried that same thing something wrong with my bank acct. And venmo same response I don't know why you can not add your acct. Fourth they keep freezing my acct for no dam reason and asking for a copy of my id. I've sent them at least 10 copy 's of my id. All I do is get money sent to me from my mom and since I can not put a debit card or bank acct in my acct I send the money to a friend who has XXXX  and he takes it out to give me the cash. That's all that happens and for some dam reason they freeze my acct like today XX/XX/year>. I tried to send money and said I can not bc acct frozen so I contacted customer service told them I needed the money to get to work XXXX and all they said was we can not help you. Like they don't even care what they are doing to people 's lives when they take people 's money and holds it. Now XXXX screwed on going to my new job XXXX because XXXX wants to freeze my acct for no reason at all. If there customer service center can not do a dam thing then why even have XXXX bc every time I have an issue with my acct they have always had to escalate it to another department. So why have customer service if you can't do a dam thing for people 's accts. I've lost jobs bc they have taken my money and put holds on it. Gotten behind on some bills bc I can not put my debit card on my XXXX  acct so I can not pay my bills with my money. I've had to waste my time and effort to find someone who would help me to get my money off. I should not have to spend 3 days getting my money off XXXX acct. It's ridiculous and something should be done about it","date_sent_to_company":"2025-10-13T03:27:17.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"23462","tags":"Servicemember","has_narrative":true,"complaint_id":"16554273","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-10-13T03:00:27.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["All I do is get money sent to me from my mom and since I can not put a debit <em>card</em> or bank acct in my acct I send the money to a friend who has XXXX  and he takes it out to give me the cash. That's all that happens and for some dam reason they <em>freeze</em> my acct like today XX/XX/year>. I tried to send money and <em>said</em> I can not bc acct frozen so I contacted customer service told them I <em>needed</em> the money to get to work XXXX and all they <em>said</em> was we can not help you."]},"sort":[16.748695,"16554273"]},{"_index":"complaint-public-v1","_id":"5914365","_score":16.378197,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I recieved money as a friends and family payment with PayPal. On XX/XX/XXXX, I was notified by email that the person who sent me the {$2000.00}, reported it as fraud to their bank so in turn PayPal took the money back from my PayPal, which put me in the negative as I had already transferred the money to my personal banking acct. I immediately contacted the person who sent the money and they called their bank to let them know it was a valid charge after all. They just lost their husband, who used the card and she didn't know it was approved by him since she took over his finances. I also called PayPal to let them know of what occurred and they said not to worry that my account was notated and that it could take up to 75 days to get sorted out but it was fine to keep my account in the negative as they do not report to collections and/or the credit bureau XXXX I assured them if it was going to be an issue, I would send the money back from my bank acct to PayPal until it was sorted out, was told again no need to worry. On XX/XX/XXXX, I got an email from PayPal stating they sent my account to XXXX XXXXXXXX for my debt and I would need to contact them moving forward. I immediately contacted XXXX through the PayPal phone number and told them what happened and asked why I was told this would not happen, I also told them that I sent the {$2000.00} back from my bank acct to PayPal and there was no debt owed to their company. Exactly that evening while I was asleep, I myself was then hacked with my PayPal account. They used my PayPal to make purchases of XXXX XXXX to XXXX. The following day they also bought dog food with XXXX and sent dog food to XXXX different people all over the US. When I notified PayPal, they did absolutely nothing to help me and said that because they were apart of my recurring transactions that I allowed these purchases and made them myself. I did not. I am now out {$2000.00} for PayPal, which has now been held from XXXXnow, and XXXX confirmed they gave PayPal their money back but they won't put it into my acct yet. I am out over {$700.00} in other fees and purchases. Which then I had to get new credit cards, bank cards, and freeze my credit. I had to transfer money around to make sure no more came out of accts, which resulted in fees galore. My XXXX XXXX  was my XXXX which was used on my PayPal, they froze that due to strange activity. I am a single mother and have had so many issues since this, I want to know if PayPal and XXXX have a hacker among themselves, if they are allowed to not tell you prior to sending you to collections that you will be if the debt is not paid by a date, how any of this is even legal and who looks into this XXXX as they have XXXX complaints with the XXXX  alone for fraud and lies. How can PayPal allow this to happen to me when they have so much power and then when I reported the fraud NOT ONE person there helped me. They didn't tell me I could add an additional protection onto my acct and have a 2 step authentication with my phone number. They need more training if they have access to people 's bank accounts! I will NOT stop until something is done to PayPal so they are mandated to protect future people and banks and their accts. Find who the hacker us within PLEASE!","date_sent_to_company":"2022-08-24T07:23:18.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"92562","tags":null,"has_narrative":true,"complaint_id":"5914365","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2022-08-24T07:23:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["They just lost their husband, who used the <em>card</em> and she didn't know it was approved by him since she took over his finances."]},"sort":[16.378197,"5914365"]},{"_index":"complaint-public-v1","_id":"1650603","_score":16.12573,"_source":{"product":"Prepaid card","complaint_what_happened":"I signed up to have my Social Security check deposited onto the Direct Express card with my first deposit on XXXX XXXX 2015. I had received no card in the mail and on XX/XX/XXXX called them and found out that my information had been used fraudulently. Someone had ordered a card and it was caught shortly after by their fraud dept and cancelled and my account frozen. They never contacted me and admitted that they were at fault for not doing so. I was told I needed to go the Social Security office and file an MOU. I did, and was helped by XXXX XXXX who contacted Direct Express. She spoke with XXXX who agreed to send me a new card via XXXX expedited and that I would n't be charged for the shipping. I was told to call them back later that day and answer the security questions again to remove the freeze. I had already done the questions two times earlier that day and passed but did it again when I got home. I did get the card in two days and was able to pay my bills however, I was charged the shipping. I called back on XXXX XXXX and was told they were requesting a refund. As of today, it was not posted. I called again and was told that they had called me and I answered but hung up therefore they closed the ticket and I would n't receive the refund. That is a lie. If they had called me I would not have hung up. It is possible that a call came through where they were completely silent and I hung up after saying Hello, Hello with no response. I do n't remember that happening in past week but it 's possible. But, why would that cancel my refund for something that was never to be charged in the first place? Preposterous! I asked to speak to a supervisor and she told me I was wasting her time and being argumentative. I asked to speak to someone above her, she said NO. I asked to file an official complaint, she said NO. She was the antithesis of helpful. There are no other avenues for me to file a complaint. I have found out since XX/XX/XXXX, that there are a huge number of people who have had the exact same thing happen. Online, there are XXXX complaints of people having their information stolen, cards requested fraudulently and the maddening response from Direct Express who seem to find glee in treating us terribly. They never gave me a concrete answer if they were going to investigate the criminals who were attempting to steal my identity and money. From the number and similarity of stories of people just like me along with the comments from Social Security that this card has had a massive surge in fraud complaints, I think a thorough investigation of Direct Express needs to be done as there seems to be a high probability of an inside job. I also want a refund of the shipping charges. I also want to know what is being done to find the perpetrators of my fraud. I told them multiple times that the phone number and email address they had on file for me prior to XXXX XXXX belonged to the criminals. I verified my information and passed all security tests several times. This entire situation is beyond a nightmare!","date_sent_to_company":"2015-11-16T14:21:39.000Z","issue":"Fraud or scam","sub_product":"Government benefit payment card","zip_code":"48195","tags":null,"has_narrative":true,"complaint_id":"1650603","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2015-11-11T17:34:16.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I did get the <em>card</em> in two days and was able to <em>pay</em> my bills however, I was charged the shipping. I called back on XXXX XXXX and was told they were requesting a refund. As of today, it was not posted. I called again and was told that they had called me and I answered but hung up therefore they closed the ticket and I would n't receive the refund. That is a <em>lie</em>. If they had called me I would not have hung up."],"product":["Prepaid <em>card</em>"],"sub_product":["Government benefit payment <em>card</em>"]},"sort":[16.12573,"1650603"]},{"_index":"complaint-public-v1","_id":"4783175","_score":15.260229,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On Tuesday XX/XX/XXXX I received the following notice from Paypal : You can't use PayPal anymore After a review of your account activity, weve determined that youre in violation of PayPal 's Acceptable Use Policy. Specifically, the sale of XXXX oriented materials or services. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.\n\nAny bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds.If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds. \nIf there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. \nCustomers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX I had slightly around {$530.00} that became instantly frozen. \n\nI kept checking the account and a few automatic payments I had coming through that account came out before I changed them. \n\nThat left my account balance at {$450.00} I called them on XX/XX/2021 asking when the funds would be released. They assured me that at the 180 days mark ( XX/XX/2021 the funds will be available. \n\nI log in on XX/XX/2021 to transfer my funds out and see that on XX/XX/2021 they had already transferred the remaining balance of {$450.00} to themselves ... Paypal. \n\nWhen they called on them they simply told me it was considered damages and I had no right to my money. \n\nWhen I asked them to release the recording of them telling me it would be available on the XX/XX/2021 they said I would need this : Dear XXXX XXXX, Thank you for contacting PayPal Customer Support.\n\nTo request information about a customers PayPal account, an attorney or law enforcement officer must submit a legal subpoena. \n\nIf you want to serve PayPal with a lawsuit or subpoena, you have to follow the applicable rules under state or federal law governing service of process. It is your responsibility to determine which rules apply to your particular circumstance. Please note that PayPal 's registered agent is XXXX XXXX XXXX XXXX XXXX. \n\nIf you have a Subpoena/Court Order/Letterhead/Asset Freeze/Asset Seizure related to a criminal matter, please submit it to our Global Investigations team via the Safety Hub PayPal Law Enforcement Tool here : XXXX XXXX XXXX XXXX To get instructions on how to submit a subpoena, you can also visit our Safety Center : XXXX XXXX XXXX \n\n\n\nIt is my pleasure to assist you. Thank you for choosing PayPal. \n\nSincerely, XXXX PayPal Resolution Services They affectively lied to me then simply stole my money. \n\nThank you so much for your help in this matter.","date_sent_to_company":"2021-10-05T12:22:59.000Z","issue":"Confusing or missing disclosures","sub_product":"Mobile or digital wallet","zip_code":"87114","tags":null,"has_narrative":true,"complaint_id":"4783175","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-10-05T11:52:45.000Z","state":"NM","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>After</em> that period, well email you with information on how to access any remaining funds. \nIf there are chargebacks that result in your account balance falling below XXXX, you will <em>need</em> to settle the amount owed to <em>Pay</em>Pal to avoid further action."]},"sort":[15.260229,"4783175"]},{"_index":"complaint-public-v1","_id":"3473006","_score":14.961352,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/2019 my wallet was stolen, I have already notified the company at that time XXXX XXXX XXXX XXXX, Who is the issuer of the card. However when I notified them that the cards were being used fraudulently, they told me to contact XXXX ( XXXX ) I did so and XXXX told me they would send out an affidavit of fraud in 7-10 business days, and they would replace both cards. At that time I waited the 7-10 Business days nothing showed up. After that I called back to this XXXX company and the credit union again. I was notified by XXXX  XXXX  at that time they didn't actually replace the cards they only put a temporary block on one, and the other card they just didn't send out. They told me they would issue these and send the affidavit again. A month went by and nothing showed up, So I called again, The Fraud Continued to roll in on the card which the credit union was also aware of. XXXX did nothing about this and told me they would issue the cards again and transferred me to the fraud department, when the fraud department got my call they advised me they see only one card was temporarily blocked and that the other was never marked fraud. Nor were any affidavits sent out, they advised me that their customer service department must have marked it incorrectly and apologized. They said they would send out the affidavits again. Still nothing came a month later, contacted both my credit union again and this XXXX XXXX  company. My Credit union said they do not deal with Credit cards, or credit card fraud that this is all handled by this world pay company. When I called back again this month they FINALLY Yes you read that right, Just now issued out cards BECAUSE MY CREDIT UNION SENT THEM. MY Credit union also had to send out the affidavits which I submitted. XXXX XXXX confirmed they received these and issued provisional credits on one card. However they did not issue it on the other card and both were received. I call back every single day, and I was told this time when I called back I spoke to a Fraud Supervisor \" XXXX XXXX '' I was told by this XXXX XXXX that he would go ahead and submit for the provisional credits on the other card to be issued and to wait 24 hours, He also put notes in stating that if I ever call back in ALL CALLS are directed to him only. Which he didn't advise me of. He then asks me numerous questions about the Cash Advances, Which I never performed because again I never requested a Pin for the Cards either. He then tells me that he will be pulling the ATM Tapes and that He will \" Get me '' I told him to go ahead. He also then called XXXX XXXX XXXX XXXX, and advised them to freeze both of my cards. He told them I am a \" risk '' Even though I have been notifying them months and months and nothing was done. Again Accusatory. He now still has my cards frozen, He told me that He has to investigate and cant give me a time frame. So I can't use my cards because it's alot of fraud and that I am a risk. My Credit Union tells me to call this XXXX XXXX company everytime, This guy lies from day to day. He tells me one thing and tells the credit union another, He won't let me speak to his manager. He isn't resolving the fraud, and He threatens me. He tells me consistently I can't speak to anyone but him now. He told my Credit union to direct all my calls to him. He then Tells me I need to send him my Affidavit of Identity theft, and I need to file a report with the Police. I do not have to do anything, He is trying to be accusatory. I Don't like his tone and he lied to me on numerous calls, First he says he sees I never called in when I have and I save my call records, Then he lies and says I called in and requested a pin. Which I know for fact I never have. In addition to that he says he's going to pull the ATM Tapes, and find out who really did the advances. I told him to go ahead. I never applied for these in branch, and I never submitted any ID when I applied for the cards. Therefore again my Credit Union is telling me to contact this company yet, they are causing further issues. He had the Credit union lock my accounts because I am a victim of identity theft and fraud. That is actually redicules. I want his supervisor to contact me.","date_sent_to_company":"2019-12-19T20:43:21.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75002","tags":null,"has_narrative":true,"complaint_id":"3473006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2019-12-19T20:18:29.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["He then Tells me I <em>need</em> to send him my Affidavit of Identity theft, and I <em>need</em> to file a report with the Police. I do not have to do anything, He is trying to be accusatory. I Don't like his tone and he <em>lied</em> to me on numerous calls, First he says he sees I never called in when I have and I save my call records, Then he <em>lies</em> and says I called in and requested a pin. Which I know for fact I never have."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[14.961352,"3473006"]},{"_index":"complaint-public-v1","_id":"3350492","_score":14.525627,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I signed up for AMEX XXXX XXXX that gives money back every time you dine at a restaurant around XX/XX/2019. I already had 2 other AMEX cards, where I made payments on time, but still carried a balance. \n\nWhen I went to apply for this card, there was never any mention this was a charge back card, and if there was, I understood charge back meant that I would get some of the money back into the card. That is how I interpreted it. For those of us whose primary language is not English, you can see why we would take that translation literal. \nI signed up for this card, and I tried to meet the minimum required to get the points they were going to award after making the purchases, and I was making my payments as usual. \n\nThen around XX/XX/2019, I noticed AMEX was calling me incessantly, and sending me emails, saying my payment had not yet arrived - which never did happen because all my payments had always been on time. I then called them, and they basically harassed me on the phone stating I needed to make the payment in full. I explained I did not understand why did I have to make the payment in full when all my other cards I could carry a balance ; the customer service representative chastised me for not knowing better when I signed up for the card, that it was all there in the fine print, and if I didn't read it, they couldn't really help it. \n\nShe then convinced me to do a payment plan - where I would be able to make all my payments on time, and it wouldn't affect my credit, and I would have no penalty. I agreed. She then told me she was going to freeze not only that particular card, but all of the other cards. I inquired why would my cards that had nothing to do with this one had to frozen, and she cited policy. \nI have since then making my payments on time without an issue. \n\nThis month, XX/XX/2019, however, I went to check my credit score and noticed that AMEX had decreased my limit so  significantly that it caused my XXXX XXXX to drop XXXX points. I called them upset because had I know about this, I wouldn't have signed up for this. They said they can not make any corrections to my credit, and that they are pretty sure that was divulged to me when I opted to do the payment plan. I wasn't really given the option to \" opt '' into anything, I was basically harassed to do it, and they would not work with me. \n\nI feel completely lied to and not taken care by AMEX, given that I have been a loyal customer. They certainly seem to use the fish-and-bait tactics to lure customers into signing up for their credit cards without disclosing in proper size letter that this is a charge card ; and what is a charge card? A card that it is different from a credit card, and that you must pay for its balance in full monthly. \n\nI talked to other friends who also obtained the same card, and they also stated they had no idea this was a charge card, so clearly I am not the only one here. \n\nThe credit score drop has and will impact my ability to remain employed, obtain credit and so forth.","date_sent_to_company":"2019-08-22T19:01:14.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"222XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3350492","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-08-22T18:13:05.000Z","state":"VA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I signed up for this <em>card</em>, and I tried to meet the minimum required to get the points they were going to award <em>after</em> making the purchases, and I was making my payments as usual. \n\nThen around XX/XX/2019, I noticed AMEX was calling me incessantly, and sending me emails, saying my payment had not yet arrived - which never did happen because all my payments had always been on time. I then called them, and they basically harassed me on the phone stating I <em>needed</em> to make the payment in full."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading advertising about the credit <em>card</em>"]},"sort":[14.525627,"3350492"]},{"_index":"complaint-public-v1","_id":"9987134","_score":13.961676,"_source":{"product":"Checking or savings account","complaint_what_happened":"Had XXXX taken from me as a result of scam/fraud on the dates of XX/XX/XXXX and XXXX. On XX/XX/XXXX the US Bank security team contacted me and told me I was a potential victim of employment fraud. US Bank refused to start an investigation or even freeze my account until the transactions were posted. I had to wait XXXX days until finally the transactions were posted and they started the fraud investigation. In between those XXXX days I was yelled at and demeaned by US Bank fraud department and customer service. On XX/XX/XXXX I was threatened by the security department that US Bank would sever all ties with me as a result of this scam incident. I got no help or any guidance for days as I already saw the XXXX was gone from my account. I begged US Bank to put my debit card on hold on XX/XX/XXXX but they refused. As a result days later on XX/XX/XXXX I woke up to find that my checking account was XXXX in overdraft fees. I was told that I had until the end of the day to correct that balance. I ran into the bank and talked to a US banker named XXXX about the situation. He accused me of spending the XXXX dollars. This was all US Banks ' fault for not putting a hold on my account and losing track of my money. After talking to him more in depth he realized that I never spent the money but it was a system error that would take a few days to correct. The next day XX/XX/XXXX I saw XXXX in the account. All the while I am a XXXX XXXX and I needed to pay for my rent by XX/XX/XXXX. My grandfather gave me a check to pay my XXXX XXXX before the scam incident on XX/XX/XXXX. I deposited the check and paid XXXX XXXX US Bank placed a hold on my account without notifying me the week of XX/XX/XXXX. US Bank also pulled that check from my university, which caused serious problems on XX/XX/XXXX when the school said I owed them around XXXX dollars. To get back to the point US Bank said that my grandfather 's bank XXXX XXXX never had the funds to pay for the school check ( around XXXX dollars ). US Banker XXXX told us on XX/XX/XXXX that it was XXXX. Yet XXXX XXXX says that those funds left my grandfather 's account and they have the tracking numbers. To this day on XX/XX/XXXX my checking account is on hold and I can see that my grandfather 's check is held by US BANK in my checking account, the funds were never XXXX. US BANK fraudulently lied about the check being XXXX and put XXXX XXXX XXXX at risk. My grandfather 's bank XXXX XXXX has an active investigation against us bank for taking his money and jeopardizing XXXX XXXX On XX/XX/XXXX XXXX XXXX put a hold on my account and I had to spend XXXX hours talking with them and explaining US Banks ' actions. US BANK left me with no money to pay for anything. I have no money that's accessible. US Bank screamed at me and told me they couldn't handle the fact that I had bills to pay ( like my credit card ). They single-handedly put my credit score at risk and gave me no access to my funds for over XXXX weeks, still have no access today. Lastly, on XX/XX/XXXX I went to my local branch again because I woke up and didn't see my savings account active. I talked with a woman banker and she said that they closed my savings account. I was never once informed of this action and I am the sole holder of the savings account. She told me they would send the check in XXXX business days. I called the bank on XX/XX/XXXX to ask when I would see my savings check. The banker XXXX told me that It has not been sent yet and won't be sent for XXXX business days. I explained that my life savings is going to be in the mail without my permission. He said that its the security department 's call that it was too unsafe to give me the cashier 's check at my local branch. As I said I have only a credit card to pay for all of my needs. Not to mention the fact I had to struggle to find the available funds to pay off my late balance on my XXXX line of credit. I have roughly XXXX dollars being sent via check in the mail and they have left me defenseless. I am a XXXX XXXX XXXX  and none of these bank officials have helped me. I have been in an extreme amount of stress over the past XXXX weeks. XXXX the US bank official told me on XX/XX/XXXX that they would again most likely sever ties with me because of the fraud I was a victim too. US BANK is fraudulent they have taken my life savings from me and are holding it hostage. They have not refunded me the XXXX dollars lost due to the scam. And I have to somehow go to XXXX to pay for gas, groceries, car insurance, etc. I cant even pay for my car insurance right now I have no access to my checking or savings.","date_sent_to_company":"2024-09-02T03:56:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92591","tags":null,"has_narrative":true,"complaint_id":"9987134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-09-02T03:02:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>After</em> talking to him more in depth he realized that I never spent the money but it was a system error that would take a few days to correct. The next day XX/XX/XXXX I saw XXXX in the account. All the while I am a XXXX XXXX and I <em>needed</em> to <em>pay</em> for my rent by XX/XX/XXXX. My grandfather gave me a check to <em>pay</em> my XXXX XXXX before the scam incident on XX/XX/XXXX. I deposited the check and paid XXXX XXXX US Bank placed a hold on my account without notifying me the week of XX/XX/XXXX."]},"sort":[13.961676,"9987134"]},{"_index":"complaint-public-v1","_id":"6377625","_score":13.844727,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"It all started when I saw a an ad on the computer saying that I could get a new phone if I could transfer my number over to XXXX  XXXX, obviously needing a new phone because Mom was broken I thought it was a great deal to just pay for the month of the first payment and get a new phone which was {$68.00} and I would receive a month of service and a XXXX XXXX XXXX new phone. Well from the beginning everything was messed up but this isn't about XXXX  this is not about XXXX  because it's about time bank account because whenever I try to pay with my chime make account card it's not a credit card it's a debit card I put in the wrong address because I wanted it sent to a different address, I didn't know that they meant to put the address on my card as the same as my mailing address I didn't know they had to be the same, since people move all the time. So when I put in the wrong address, obviously XXXX XXXX denied the purchase. This is where XXXX  comes in as real crooked and they should be investigated as well because whenever they denied my purchase I asked a friend if I could use your credit card to pay for this purchase because it wasn't accepting my time card and they said yes so I used their card to purchase the phone in the service and all that it's XXXX dollars was the absolute final payment in full before I was supposed to get my phone the next day. Luckily she did this for me and I thought everything was okay until 2 days later I finally received my phone when they promised 24-hour delivery. And I go to get my son breakfast next morning on my Chime card and I find that not only did my friends money come out of her account the {$68.00}, but they also took the {$68.00} out of my chime account that they denied in the first place. That left me dumbstruck to say the least, so the first thing I did was call chime, and let them know there was an unauthorized charge on my card, not once did they say they were going to freeze my card not once they tell me they were going to turn my card off if I would have known this, I never would have left chime card as my card to refund the theft. I would have to close my account out and and call XXXX and had some other form of payment for them to send payment card for them to send it to me back to me. \nI had not a problem with chime, up until that point .in order to even report to them the unauthorized transaction or theft of money for my account, since it was not even approved for them to even get into my account ( XXXX  meaning ), I had to tell them the exact last XXXX transactions that I used on my chime account card, meaning to the very last red cent. luckily while I was on the phone with chime I used it for the very last time at the XXXX station I was getting gas at I had a little bit of money left over minus the XXXX $ Cricket, took off my card I had like {$4.00} left I can't even get my son breakfast XXXX luckily I spent that on gas while I was talking to XXXX \" XXXX '' before they froze my card. They said that that they could not stop the pending transaction because it was still pending, and then it was up to XXXX to stop the payment or cancel the payment at their discretion, so I had to call them and there was nothing that chime could do .... \nOf course I call XXXX immediately not only do they tell me that they see the money right in front of their face still pending, and they are unwilling to send it back until I register my account into XXXX, even though they have XXXX payments one that did go through and XXXX that's still pending they never should have gotten into in the first place. So I have to begrudgingly, register with these people the same people that stole money out of my account. Then they inform me after I register can not cancel my transaction but even though it was never my transaction in the first place they stole it, the couldnt, refund my money or stop payment. I went back and forth with chime and with XXXX all in all probably XXXX times maybe even more than that!! mind you every time you call XXXX  there's a automatic XXXX minute wait, then you get put on with someone completely different than you talk to you last time, and you get to run around like you would not believe, and it's the same answer every time, '' you have to call your bank '' which chime is not even a bank, and they authorized it and they alone can refund my money or stop payment or cancel payment. \nHere 's the kicker, LOL, so I call XXXX  back and I tell them that XXXX  told me that they had to refund my money or stop payment cancel payment that they were not authorized to do that on their end. But now it's a XXXX days later after arguing with XXXX about taking my money and assuring them that my bank told me that they could not do it, that I had to call them and XXXX had to pay or stop payment on the pending charge. So 3 days later I called my chime card virtual whatever they are back, and I am frozen out of my account, completely!! All the sudden my saved password no longer works, and I can not change my password because you have to pretty much give them your first born child in order to Simply change your password ..that 's a joke obviously, but you have to jump through hoops like send in your picture of your ID send in all XXXX last transactions you made send in your bank number I'm just all kinds of things I did every single one of the things I asked for I even had to take a selfie with a written date was holding it beside my face this is at XXXX in the morning I was loving this, LOL, I had to take a picture of the my actual card front and back, I had to give them my social security number I had to give them several forms showing that it was me including pictures live pictures of with the date and time written beside my face and my ID a picture of my ID right beside my face. At this point of course it had been 3 days since I had spoken to chime, and in order to even get into my account at all, over the phone virtually over the phone with these people I had to verify to them of course my social security number my ID number my bank card number and long behold the last XXXX transactions to the very last red Cent that I had made on the card. 3 days prior when they asked me for this it was easy to give them that, cuz I had made XXXX of thetransactions that day, and XXXX atm withdrawls the prior day..So, I was only able to get into my account that first day before they froze my card. 3 days later I had no earthly idea with my last XXXX charges were to that same card they froze which they never told me they were going to freeze that card they never told me I was not going to be able to use it ever again, so I never thought about even memorizing the last XXXX transactions are writing them down to the last XXXX. So I'm assuming that XXXX  says they only had 15 days to refund the money back to my account which I'm sure they did by now but I don't know because I can't get into my account at chime, without knowing the exact amount of the last XXXX transactions that I made the day before XXXX  stole the money out of my account and chime froze my account and no longer lets me in it. I have called and called and called and called numerous times over and over and over I would say probably XXXX times maybe a little less maybe a little more begging them sending them every single bit of proof that I could send them in this world everything they've asked for us sent them but since I don't know those last XXXX transactions to the last cent I'm no longer allowed to be in my time account which has my money in it I'm a single mom struggling to pay my bills barely have a half-assed car, and that {$68.00} XXXX not seem like a lot to some people but it could be the difference between eating and not eating in our house it's disgusting how they run their business is disgusting how their customer service will hang up on you treat you like a dog and simply like you lied to you and lie to you just to get you off the phone I need my money back I needed it back that same exact day I had everything they needed that day to do something about it and they couldn't they wouldn't do it. \nThank u for your time..Sincerely, Me Also, I have countless emails with all the proof they asked for ... selfie, Photo of id, card, SSN..etc I XXXX be able to send the pics they requested, but its threatening to log me out, which will erase all here","date_sent_to_company":"2022-12-31T04:42:48.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"6377625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-12-31T03:23:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Trouble getting information about the card"},"highlight":{"complaint_what_happened":[", and that {$68.00} XXXX not seem like a lot to some people but it could be the difference between eating and not eating in our house it's disgusting how they run their business is disgusting how their customer service will hang up on you treat you like a dog and simply like you <em>lied</em> to you and <em>lie</em> to you just to get you off the phone I <em>need</em> my money back I <em>needed</em> it back that same exact day I had everything they <em>needed</em> that day to do something about it and they couldn't they wouldn't do it."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"issue":["Trouble using the <em>card</em>"],"sub_product":["General-purpose prepaid <em>card</em>"],"sub_issue":["Trouble getting information about the <em>card</em>"]},"sort":[13.844727,"6377625"]},{"_index":"complaint-public-v1","_id":"3805407","_score":13.249171,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I opened a dispute with PayPal on XX/XX/XXXX regarding double charge of {$110.00} from their merchant XXXX  ( see complaint below ) on XX/XX/XXXX. \n\nMerchant - XXXX XXXXl : Order No. XXXX ( XXXX XXXX and XXXX ) On XX/XX/XXXX I made a purchase on the XXXX  website using Paypal. At the time of checkout, I received errors stating an issue with the server. When the order eventually processed it charged me twice, once on my credit card and once on my checking account. On XX/XX/XXXX, I called to inquire about disputing the charge with my bank and the representative from XXXX XXXX  told me if I disputed the charge as unauthorized that they would freeze my account, so at that time I opted not to pursue that avenue and yet try to work it out with the merchant. The same day I called the merchant and told them of the double charge which they denied and said they only received one payment from me and that if I was double charged I need to dispute the charge with my bank. I told them they charged my credit card as well as debited my bank account. I NEVER authorized them to debit my checking account in the first place, only to charge my credit card. Due to the error upon checkout they debited my checking account too. The representative at XXXX told me the funds hold on my credit card would be released in 3-5 business days, which they were not. I waited the 5 days as directed by XXXX before calling my credit card company to inquire about the hold. On XX/XX/XXXX I inquired about releasing the hold on my card ; my credit card company told me that it was up to the merchant to release the funds. I emailed XXXX the same day with screenshots of what was advised by my credit card company regarding the hold. On XX/XX/XXXX XXXX FINALLY sent an adjustment to my credit card to release the funds, a mere 7 days after I first brought this to their attention. \nThe package was delivered on XX/XX/XXXX. I refused the unopened package for delivery on XX/XX/XXXX at the XXXX  store in XXXX Mn. Upon refusal of the package I asked for a receipt, which I was told there was not one to be given. I again reached out to XXXX regarding the ongoing issue and was told nothing could be done regarding a refund until the package was returned to the warehouse. It is now XX/XX/XXXX and I no longer have the product nor the {$110.00} that was withdrawn from my bank account, without my authorization. I am being told by XXXX  that they can not track the package and XXXX is not able to refund my money until they receive the package. \nI opened a case with PayPal, as they are the merchants payment processor, but I have not heard anything back from them. My last resort is to file a dispute with my bank, but I do not think I should have to suffer the consequence of having my bank account frozen for doing nothing wrong but trying to get my money back that was wrongfully and fraudulently taken. I work extremely hard for my money and would like back what is rightfully mine. This has been an unbelievable nightmare and I just want this to be over. It is going on 18 days of nonsense from every avenue I have tried. This is plain and simple bad business all the way around, from XXXX faulty checkout platform to PayPals lack of customer service to XXXX  unable to track a refused package to my bank threatening to freeze my account. Please help me. \nI have exhausted all other avenues to get my money back including filing a complaint with the following : FTC XXXX  Attorney General of California I have not yet contacted an attorney. They are withholding my money ; I sent their package back to them on XX/XX/XXXX and they are refusing me a refund. I just want my money back. That is all. \n\nAs of XX/XX/XXXX I received an email stating my case was closed in my favor on XX/XX/XXXX and that I would be receiving a refund in 5 days ( not  5 business days ). Today is the 7th day ( and 5th business day ) and I still have not gotten a refund. I called PayPal today to check the status and possibly escalate the ongoing issue. I was told I must wait 6 business days for my refund due to how the seller refunded my money. This has been an ongoing issue with their merchant since XX/XX/XXXX. Their email notice that they sent me about my refund was both unfair and deceptive. Unfair because they lied by saying my refund would be in my bank account on the 5th day, which it is not. Nowhere in the email did it state 5 business days, only 5 days, which I am being told that now it is 5 business days. And deceptive because they told me something that was not true. The representative told me my refund would be there in 5 business days ( not 5 days as stated in email I received on XX/XX/XXXX ) and now I am being told 6 business days due to the manner the seller issued the refund. Very confusing and misleading If it were 6 business days, the consumer notice should have reflected that to be fair and not deceptive. While on the phone with PayPal, I was told by one agent that they would refund my money immediately since the funds should have been in my account as of yesterday and they are not. I lost the call and had to call back to speak with another representative who then told me that I would not be refunded immediately due to the manner the fund was requested. I asked to speak with a manager or supervisor but was advised that there was none available. Why wouldnt a fortune 500 company have a supervisor or manager available to take an escalation call? Seems a bit odd and is bad for business. \n\nI feel like I am never going to get my money back. Please help me get back what is rightfully mine. This has caused me nothing but stress. All the loop holes this merchant has been able to find to not refund my money is ridiculous. Until I receive my refund, I will just hurry up and wait.","date_sent_to_company":"2020-08-20T16:10:38.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"55378","tags":null,"has_narrative":true,"complaint_id":"3805407","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2020-08-20T16:04:46.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The same day I called the merchant and told them of the double charge which they denied and <em>said</em> they only received one payment from me and that if I was double charged I <em>need</em> to dispute the charge with my bank. I told them they charged my credit <em>card</em> as well as debited my bank account. I NEVER authorized them to debit my checking account in the first place, only to charge my credit <em>card</em>. Due to the error upon checkout they debited my checking account too."]},"sort":[13.249171,"3805407"]},{"_index":"complaint-public-v1","_id":"2709913","_score":13.144331,"_source":{"product":"Debt collection","complaint_what_happened":"on XXXX/XXXX/XXXX I authorized my wife to speak Portfolio Recovery on an account they obtained from XXXX XXXX XXXX Original Creditor Stating that I owed a balance of XXXX My wife specified she wanted to settle this account in full if the payment was to bring the account to a XXXX balance. We explained to them that we are a family of five living off of XXXX and other state programs at the moment. Therefore no other payment agreement would work. Although I had never received written notification about this debt and validation of the amounts they say I owe or a even a signed original contract from portfolio recovery I was trying to take the initiative and close out the account. After we repeated and confirmed the settlement of XXXX to close the account for a XXXX balance. We went on to discuss payment methods. My wife wanted to use her debit card to pay it immediately but the rep said because of the age of the debt and the statute of limitations they could not sue he would need to use a checking account. Being that we had done our researched and read where Portfolio Recovery Assoc was ordered to pay back over XXXX XXXX and a penalty of XXXX XXXX back in XXXX due to inaccurate, lacking documentation, or unenforceable collection practices. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and The companies purchased large portfolios of consumer debt with balances that sellers claimed were approximate or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. This left us very apprehensive when providing our banking institution knowing the bad practices merely two years ago. But trying to be a good Samaritan and settle we proceeded with our last savings from our family to put this behind us. We did request a letter be emailed to us about the agreement and they rep stated it was sent just give it 15 mins if not call back. We proceeded with payment information via our account and authorized the payment for XXXX on XXXX. Still at the time we had not received our letter confirmation of settlement of the account. We called back 1 hr later only to be transferred to someone who said they see where it just had been sent and we checked and we received nothing. The next day we called again and was told oh no we do n't email anything after the rep promised us we had settled the account to XXXX and the email was an option as our proof of confirmation of payment. We were furious feeling like we were taken advantage of on a unvalidated debt that we never received one letter about or any proof or anything that this balance was ever XXXX just was taking their word as the debt collector not knowing that they would yet again make false statements and deceive us as the consumer. Even after confirming the financial hardship with them. Not only did they not honor the agreement to settle the account but I received a letter in the mail stating that I authorized them for reoccurring debits in the amount of XXXX. They were trying to collect this balance in full when they may have paid XXXX for this account to XXXX XXXX.This was not a part of the agreement they never emailed me the documents of settlement I called 3x and they did not respond promptly. This company lied and illegally setup a payment plan that nor myself or my wife agreed to furthermore I never received a letter to dispute the debt or proper validation of the debt it just appeared to my credit reports. This is why consumers do not trust companies as such because they lie and they cheat consumers out of thousands of dollars when in fact they have paid pennies on the dollar for these accounts. Not only did they falsify information they did not honor the settlement agreement and bring the account to XXXX and provide letter of our verbal agreement. this company continues to practice illegal debt collection and falsify information. Why would I authorize a reoccurring debit in the amount of XXXX on an account that is outside of the statute of limitations and has n't been validated and I was doing my due diligence by settling the account that im not liable for and they have taken advantage of me and have abused my spouses account information for unauthorized reoccurring debits that she did not agree to. After Speaking with a branch Manager they advised my wife and I that they were concerned that we had not received any proof of payment and sounded like a fraudulent transaction deal. Not only did they freeze our account they closed it out due to the manager having encountered previous consumers dealing with the same situation where the consumer account had been overdrawn by 1000s of dollars from debt collectors. If Portfolio Recovery does not correct this situation and close this account altogether we will be forced to pursue legal actions against portfolio recovery services. Please see the attached Documents showing how they falsified reoccurring debits and did not bring the account to XXXX just reported that we were only making a payment to this balance.","date_sent_to_company":"2017-10-23T16:34:29.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"32606","tags":"Servicemember","has_narrative":true,"complaint_id":"2709913","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2017-10-23T14:35:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>After</em> we repeated and confirmed the settlement of XXXX to close the account for a XXXX balance. We went on to discuss payment methods. My wife wanted to use her debit <em>card</em> to <em>pay</em> it immediately but the rep <em>said</em> because of the age of the debt and the statute of limitations they could not sue he would <em>need</em> to use a checking account."],"sub_product":["Credit <em>card</em> debt"]},"sort":[13.144331,"2709913"]},{"_index":"complaint-public-v1","_id":"2962829","_score":12.41742,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am contacting your agency regarding a recent freeze of my checking and savings accounts by Citibank. Through numerous recorded phone conversations, I have been provided misinformation, outright lies, and been treated with a cavalier disrespect and been made to feel like I am a criminal. I have never felt so humiliated and anguished with regard to being berated by phone service representatives who treat me as if I have committed fraud. \n\n\nThis relates to Citibanks internal file numbers that were provided to me # XXXX and # XXXX During the week ofXX/XX/XXXX XX/XX/XXXX, I had my backpack stolen/misplaced/taken without my knowledge. The contents of my backpack contained my primary cell phone, my checkbook ( I had possession of my wallet, it was only my checkbook left in my backpack ), and other personal effects. I switched phones and got a new number and as part of my efforts to protect myself, I contacted my bank ( Citibank ) because they were the only financial institution for who I had my account and routing number at risk. \nWhen I called in on XX/XX/XXXX to XXXX at XXXX MST to report my issue and request the options that were available, the representative explained that the only way to resolve my issue was for me to apply for a brand new account, and transfer the money from the old account to the new one. She was adamant in explaining that they do not simply change the account number but that it has to be fully closed out. I explained that I had moved and never updated my address. I let her know that I needed to do that, as well that I preferred to open the account online myself ( I have a preference for reading the disclosures and materials myself ), and advised her that I would call back upon getting the new account established. The only two items that were changed on my account, were my phone number ( updated a day or so prior, and my new address ). I did not change my confirmed email address listed on my account where I have received and continue to receive notifications. \n\n\nAfter establishing a new checking account I called back into Citibank on XX/XX/XXXX at XXXX MST and explained to the representative that I was ready to close out the compromised account and transfer the remaining funds out to the new account. She provided assistance with my request and linked my old debit card to my new accounts per my request not to have to wait for a new card to have access to my account. \nXX/XX/XXXX at XXXX MST I received a call from Citibank from XXXX, she asked me to verify information to speak with me and then she told me they just wanted to confirm my new account request. I confirmed and the representative told me everything would be processed fine. That afternoon I decided that I would consolidate my external accounts and bring my funds to Citibank, I called in because the system would not allow me to open and link a savings account online, and I wanted to ensure my accounts were linked together. I contacted Citibank at XXXX at XXXX MST and a seemingly disinterested/frustrated sales representative filled out the application for me and advised that it would take 2-3 business days for the account opening to be processed and a savings account number to be generated. Immediately after ending my conversation with him, I signed into my account and the savings account was already activated and the system allowed me to transfer funds within Citibank from my checking account in order to fund my savings account. \n\n\nXX/XX/XXXX I was contacted by Citibank at XXXX from XXXX. A man who claimed to be from a verification/fraud team told me that I was required to verify my address and that I would get an email with the details on how to send in a copy of my utility bill. I asked him if my accounts were in a restricted status or if I was free to move in assets from my primary bank or if I were able to move money out ( I pay specific bills out of my Citibank checking ). He told me that my account was fine to do that, but in order to fully activate and keep using that I needed to send in a utility bill to verify my address. I explained to him that I was an existing Citibank client and had a checking relationship already. I made it clear that this was not a random new account opening but that I only opened it because they refused to change the number on my old account for me. He brushed me off and explained that I need to send in a fax with my utility bill. I confirmed with him that I would receive an email and he confirmed. So I waited patiently and as the end of the business day neared in EST, I was worried. So I called Citibank back at XXXX MST. I spoke with a representative who told me that they do not send out emails. I was confused because all calls are recorded and I directed her to pull that pull call to confirm that I was told on their recorded line what the process would be. I explained to her that he asked me for my utility bill and no other form of ID nor Social Security card. I explained to her that I had sent in documents the first time when I opened my account at Citibank a year or so ago ( the one ending in XXXX that I was forced to close recently and made to open a new account ). I expressed my frustration and she told me that the only thing that was needed was my utility bill and she provided me with a fax number. At XXXX MST on XX/XX/XXXX I was contacted by the male fraud verification specialist from the phone call earlier that morning. It was at this time, he changed his story and said that he needed my ID as well as my Social Card and my Utility Bill. I explained to him that I had already gone through this kind verification when I first started my relationship with Citibank and faxing takes days of back and forth with good copies vs. bad copies. The only reason I had to do that when I first opened my accounts was because I had a personally requested security freeze on my credit files. I have long since removed that freeze and the male representative kept saying that he needed new documents because I had my checkbook compromised. He was giving me false information and creating an issue where there was none, in order to harass and bully me as an overzealous fraud account representative who was clearly ill-trained on how to review a clients previous history with the bank or review all the factors. He advised me to go to a branch for help. There are no Citibank branches where I live now. Not a single solitary one. He ( nor any other representative that Ive spoken with ) should have never continued to direct me to nonexistent branches. I asked him to perform the over the phone verification method using my public data questions that theyve asked me before for verification and he told me no. Then I asked him to send me a prepaid XXXX   envelope to my home and set up a pick up as well. He again told me no. I made it clear to him that Ive gone through this process before and I was not going to allow him to lie to me about what was and wasnt possible. He placed me on hold to speak to his supervisor. When he came back, he said ( I dont have any way of verifying his lie ), but he told me he spoke with his supervisor and that sending a prepaid XXXX  envelope was possible. On his recorded line he said that he would have the XXXX envelope delivered to my home so that I could send back to the documents NextDay delivery. As of the date of this formal complaint I have never received the email that he told me on ( 2 ) separate recorded phone calls that I would be receiving, nor have I ever received a XXXX envelope. \n\n\nWhen I went through verification the first time a year or so ago, the fraud verification specialist had the XXXX envelope delivered to my home by XXXX the following morning and within 24hrs she had the restrictions removed and activated my account. This current antagonistic time frame and misinformation the representative ( and  Citibank ), is pressing upon me to simply deal with, is an absolutely unacceptable business practice and poor ethics. \n\n\nAs a last resort prior to filing a formal complaint, I attempted to follow their request for a faxed copy of my documents. I sent them 3 fax attempts that included my Drivers license, my Social Security Card, my Birth Certificate, along with a billing statement for my apartment ( the units are all inclusive so my utilities are billed with my rent and it breaks it down on the form ). I was contacted at by Citibank at XXXX from XXXX and told by the representative that the documents were not clear enough to be processed for account activation and she said that the Apartment billing statement was not clear to read the numbers off of the statement. However she went on to say that the statement was not from within a 30 day time frame and that it can not show a past due balance. The billing statement was for my bill that was due onXX/XX/XXXX and because residents pay our rent, utilities, and association fees in advance ; any statement generated will always have a balance listed to be paid. It seemed as if she was requesting a XXXX balance due statement. But if the statement was not clear to read the numbers off, then how could so much detail be given about what I would need to resubmit? \n\n\nI find it unfathomable that I could be a customer of the bank for so long and be treated so poorly or be made to go through this process. If there was a credible concern with regard to my identity, then a proper analysis should have been performed without any effort nor inconvenience to me as a client. Proper fraud analysis would yield the data confirming my voice matches all of the previous recorded calls that they have retained on file for all of my calls into Citibank within the past year. I sign into account from the same network, my logins match my consistent devices used because I only use two personal devices to access my financial accounts, all of the purchases on my account take place within a 7-10mile radius of my home, and the residence that I listed on my account as my new address is the same residence that I paid monthly out of my checking account ( the one ending in XXXX that I closed this week ). \n\n\nAfter days of being told that I would still have access to my accounts, ( and I have signed on daily to confirm that status ), the representative on XX/XX/XXXX told me that the fraud verification team has in fact placed a block on my accounts and while it my accounts showed cleared before, now my accounts provide me with a red banner telling me that they are frozen. I have specific bills that were paid automatically monthly out of the account I recently closed, and per the instructions of their phone representatives, I made sure to set up those payments out of the new checking out and because I kept my debit card I have not changed my automatic payments. My financial transactions like any client, are rooted in consistency, my expectation is that my accounts are unfrozen to allow for activity without any further grievance to me. It is with gross ineptitude that this situation has been handled. I am stunned and most of all hurt that representatives see that my accounts are restricted, understand the reason Ive contacted Citibank, and then have the audacity to try and sell me products like loans. Why would I want to take out a loan with a bank that goes from treating me like rock star for a year to a complete criminal overnight? Its both shocking and disappointing to say the least. If I wanted a poor banking experience, then I would do business with XXXX XXXX. I expect more from my bank, hence why I do business with Citibank. \nI have not taken my issue public with regard to contacting Citibank any social media news platform because I have a sincere interest in having my issue resolved privately and continuing my relationship with them preferably as my primary financial institution. Having been treated so disrespectfully, by a fraud verification specialist who apparently has taken a genuine interest to bully and humiliate me, I am appalled and require an immediate activation of my accounts, an internal review of the failed processes that have led up to my complaint, as well as an apology from Citibanks executive office. No client at any bank should be forced to endure this kind of unwarranted attack from their bank after experiencing an already distressing personal event. My expectation of my financial services firm is that they protect me by performing due diligence while exercising common sense analysis of a situation. \n\n\nThank you respectfully for your time and review of my concerns.","date_sent_to_company":"2018-07-18T14:58:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"84070","tags":null,"has_narrative":true,"complaint_id":"2962829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-07-14T12:52:25.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["It was at this time, he changed his story and <em>said</em> that he <em>needed</em> my ID as well as my Social <em>Card</em> and my Utility Bill. I explained to him that I had already gone through this kind verification when I first started my relationship with Citibank and faxing takes days of back and forth with good copies vs. bad copies. The only reason I had to do that when I first opened my accounts was because I had a personally requested security <em>freeze</em> on my credit files."]},"sort":[12.41742,"2962829"]},{"_index":"complaint-public-v1","_id":"12014772","_score":12.175088,"_source":{"product":"Credit card","complaint_what_happened":"This is a massive complaint that reads like a saga. This problem spans 6 months, has 4 major corporations involved, eats up over $XXXX  a month and there is no end in sight. In an effort to resolve this issue I have contacted every applicable elected official, community organization and government agency one can list outside of the White House itself. And no one seems to know what to do. Therefore, I have composed this complaint in writing to better articulate the issues I am facing, the severity with which they negatively impact my life and why these injustices should have been corrected long ago or never transpired in the first place. \n\tOn XXXX XXXX XXXX  my phone was stolen. The phone was ultimately recovered but it was missing the sim card. I could not call XXXXXXXX  directly so I had to call someone else using XXXX who then had to get another phone, call XXXXXXXX  and hold the two phones together so that I could talk to them personally to request a new chip. On this call I was informed that my autopay would be changed to $XXXX  a month until I could get the new chip activated in order to prevent me from having to pay all of the associated costs, fees, taxes, etc. associated with activating a phone number. Unfortunately, this never worked out to be the case. Even my status as an enrollee in the Military Magenta Plan, which I am only qualified for due to a XXXX% XXXX rating from the VA, was not enough to be treated with basic dignity and respect. At no point did XXXX ever just do what they said they would and charge me $XXXX  a month. Their billing practices are so predatory that even 3 months after my phone was stolen XXXX was still charging me full price for a plan and adding carry over charges from after the phone no longer worked! How XXXX can justify billing me more than $XXXX  a month for a phone number and cell phone I cant even use is beyond reason. \nTheir logic is so twisted that, instead of just doing what they said they would in the first place, they would rather charge me a fee to refund the money they billed incorrectly. How is it just that I am being billed for an error that was not my fault? If I have to pay this then where is the incentive for XXXX  to do ever anything right? All they have to do is make a mistake on my billing and then they get to charge me money to fix it? If my claim that our agreed-upon bill was only $XXXX  a month is enough to win not one, but three, credit card transaction disputes with my bank, how do they justify billing $XXXX  in XXXX  and telling me that I owe an additional sum of more than $XXXX? XXXX agrees it made a billing error and now wants to charge me to the tune of more than $XXXX  to correct that error. XXXX will not stop billing me for junk fees (Back Out Fee, even though I never had a contract and my phone is paid off), made up charges, administrative costs, etc. and I dont know what to do because even my bank isnt trustworthy. \n\n\tNavy Federal Credit Union is the second subject of this complaint due to unauthorized Force Charges approved on my credit card without my permission or knowledge. These charges, from XXXX, were approved even after I had disputed every XXXX Transaction since XXXX, had my credit card shut off, had the line of credit frozen due to a separate fraud claim and received a new (but still not activated) credit card. What is the point of learning and following the rules if they dont really apply? How is it fair that Navy Federal can freeze my credit card to protect me from fraud then authorize transactions on the card number they just froze? Why does XXXX get to use my credit card but I dont? Why is Navy Federal Credit Union allowed to forcibly take my disability check without so much as politely informing me? How am I supposed to trust Navy Federal when they take my money without my permission only to profit from the money I already cant afford to spend by charging me interest and fees on a transaction I never even knew about? Not to mention the negative consequences if I cant/wont pay. The only reason I even have the privilege of being nickel and dimed by Navy Federal Credit Union is because they had someone in boot camp, in a Navy Uniform, come in and talk to us about switching our direct deposit to Navy Federal. They deprived us of sleep for two days and then forced us to make major financial decisions all while a representative from Navy Federal Credit Union just so happened to be there. How convenient. \n12 years later, I am still an account holder with Navy Federal Credit Union.  I even sponsored my entire family so that they could open accounts of their own. You cannot imagine the shame and embarrassment I feel each time I make a phone call begging for someone to help me as I am literally being robbed by the same financial institution I convinced my family to use to plan my nephews financial future and they are there listening to the entire thing. The emotional stress of this was enough that I had to seek emergency counseling from the VA. Im starting to feel like everything is pointless. If disabled veterans can be bullied and pushed around like this without consequence then whats the point of anyone trying? My bank has already profited from me so much over the years, when is enough finally enough? They sucked up so much of my paycheck from active duty military service, AmeriCorps stipends and now my XXXX  money. Ive struggled financially for years because of Navy Federal. They even denied me relief as a struggling humanitarian after the XXXX XXXX was wiped out by two Category 5 Hurricanes and I spent 4 months without electricity, running water or a roof. This negatively impacted my credit score. This financial institution has done things like this to me for years. However, taking my money without my permission is the straw that broke the camel's back. Anyone else that stole money from me would spend the night in jail and have to face a judge. What does Navy Federal get? Probably nothing. \n\nThe third subject of this complaint is XXXX  XXXX  and XXXX together. Specifically, the XXXX  in XXXX, Washington at XXXX XXXX XXXX XXXX XXXXr, WA XXXX. I purchased a XXXX XXXX XXXX from this location in XXXX  after being cut off from the world since XXXX  due to the ongoing issues with XXXXXXXX. I came in asking for the cheapest possible phone I could get with the cheapest possible plan because I really only needed a phone to do essential things (e.g. verify identity as a veteran through VA systems, verification codes using text messages, etc.) until I could figure out the XXXX problem. The employee told me that I didnt need to buy a flip phone and that he could even get me a brand name smartphone  for cheap. Eventually, we landed on a XXXX XXXX XXXX. When I swiped my card, I was told that I was being charged $XXXX  for the phone because of sales tax but other than that everything would be free for two months and if at that time I did not wish to continue as an AT&T customer all I had to do was tell them no thank you and I could even keep the phone. The employee, XXXX, made a comment to me about how amazing this deal was because he didnt know how it worked or how the cell companies made any money on this. Which struck me as odd, because isnt it your job to know? Well, who would've guessed, it didnt work that way. Before XXXX  was over XXXX was contacting me to collect on a past due balance of over $XXXX. Imagine my surprise. I was able to arrange a payment plan with XXXX but that was the end of my good luck. So far, XXXX are the only ones who I cant complain about. Its not their fault that Im on the hook spending almost $XXXX  a month for one cell phone I cant use and another one I never wanted.  \t\nI went into XXXXXXXX  to request a refund. As it turns out, XXXXXXXX  does not actually sell the phones. It is a private contractor that works inside the store that sells the plans and really, I need to contact them directly in order to resolve the issue. Initially, the employees were helpful and sympathetic and wished me luck as they gave me the phone number. Sadly, the phone number given to me was not valid. I looked online for a way to contact XXXX  and tried calling, emailing and even tweeting them using that information. Still nothing. I called XXXX back to let them know that I needed the updated contact information. The employee on the phone was extremely rude so I asked to speak to a supervisor. The supervisor explained to me how busy they were with the electronics department so I decided to go in to ask for the phone number in person because calling was obviously not working. Eventually, I did speak to a manager in person. XXXX was her name. I asked to speak to the highest-ranking person that was currently available in the store because this was such a serious issue. XXXX  informed me that she was the person I was looking for and that the buck stops with her. I explained to her my issues and the bad service I had been receiving from her employees and her response was to look at them and roll her eyes while I was still talking. The people that work in her store sold me a bad product, give me bad information so that I cant correct the mistake that they made, argue with me on the phone when I call to let them know they made another mistake and I still need help, she tells me she is the one accountable for all of this only to treat me like garbage in front of her employees when all I ever did was ask for help to solve a problem they caused. No wonder the standard is so low in that store. Look at who their example is. After arguing with XXXX, I was eventually directed to the XXXX XXXX itself because XXXXXXXX  has XXXX  jurisdiction over them anyway. Its almost like she didnt need to be vindictive to me at all. \nAfter finally speaking to XXXX  at XXXX  I was informed that I could not get a refund on this product because it was after a two-week buyers remorse window. XXXX  seemed to really care and be empathetic to the situation. Especially when I explained to him everything that the other employee had said about the two-month promotion that never actually existed. When all was said and done I did leave with the contact information for the district manager of XXXX. But when I called his mailbox was full and with XXXX  as an example of things to come I knew my complaints to anyone there would fall on deaf ears anyway. \n\nThis is when I had to go get XXXX XXXX from the VA because I just felt like I couldnt take it anymore and that my suffering was worthless. Why is the impetus on me to know every single one of the laws of our society, every single one of the rules and regulations to follow for my bank and every single policy to follow for every individual vendor I do business with instead of them just treating people with dignity and respect to begin with? How is this the better option? How are they allowed to lie in order to sell, and trap me with, a product that I never would have purchased otherwise? Of all three parties involved no one can provide me a refund or any meaningful relief. XXXX XXXX and XXXX  can all be in on it when they profit from lying to me but when it comes time to correct it none of them can be held accountable? And this is legal? This is theft by deception plain and simple and I want my money back.\nSince being unable to reach the OSL district manager I have contacted the VA, XXXX, NCUA, CFPB, State Rep. XXXX XXXX, Sen. XXXX XXXX  the WA State Attorney General, the WA State and Federal Utilities Commissions and the local Vancouver, WA police Department. I have filed complaints with all of them in addition to utilizing resources from the XXXX XXXX  and Washington State Bar Associations to assist me legally through the complaint resolution processes.  If they want a war theyve got one because the only thing I ever did to deserve any of this was be the victim of a crime.","date_sent_to_company":"2025-02-11T00:47:44.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"986XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12014772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-02-11T00:40:26.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["How is it fair that Navy Federal can <em>freeze</em> my credit <em>card</em> to protect me from fraud then authorize transactions on the <em>card</em> number they just froze? Why does XXXX get to use my credit <em>card</em> but I dont? Why is Navy Federal Credit Union allowed to forcibly take my disability check without so much as politely informing me?"],"product":["Credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[12.175088,"12014772"]},{"_index":"complaint-public-v1","_id":"8179316","_score":12.135438,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year> I received a text message alert from JPMorgan Chase asking if I was attempting to transfer {$14000.00} reply yes or no to stop transfer. I replied no to the message. Soon after replying to this message I received another message with a temporary username and password. Username XXXX password XXXX followed by another message asking if I was attempting to transfer {$7300.00} reply yes or no to stop transfer. I again replied no to the message. Soon after replying to this 3rd message, I received a call from JPMorgan Chase fraud department number XXXX asking if I was attempting to transfer {$21000.00} from my account at which I informed them that I was not attempting to make any transfers, nor did I authorize any transfers. We then proceeded to file a fraud claim, The representative said that he froze my online account including my debit card. He assured me that the transfers were canceled and that I needed to reach out to get set up with a new online user name and password. Later in the day Got another message from jp morgan # XXXX with a temporary username and password I immediately logged into my bank account to find that an online domestic wire transfer had been processed for {$21000.00} via XXXX XXXX XXXX to an XXXX XXXX XXXX GA XXXX XXXX I immediately went in person to JPMorgan Chase at XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. I informed the teller that I did not authorize this transfer and wanted to know how it processed after previously filing a fraud claim. The teller had me speak to the fraud dept and file a fraud claim. She also had me submit a request for the funds to be sent back to my account to the receiving bank. She also informed me that she did not see any previous claim for fraud filed. The rep placed a freeze to my online access all together and closed all open accounts including checking, savings, and debit card. They then opened new accounts and requested a new debit card be issued. I then spoke to the chase tech dept and obtained a new username and password for my online access after having me changed my email password associated with my bank account and run an antivirus program on all devices. I received a letter from Chase Bank informing me that XXXX XXXX XXXX XXXX refused to return the money and the found no fraud and closed my case. They went on to encourage me to reach out to the receiving bank. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and spoke to XXXX in the fraud department. I informed her about the fraud claim filed with Chase and how they closed the case because XXXX XXXX refused to return the funds. XXXX informed me the funds were denied returned because they were unaware that it was due to complaints of fraud. She also informed me that Chase failed to send them the required indemnity affidavit and another form required for them to have sent the money back. She told me how if they received those required documents they would have had to send the money back right away but they didn't because they never received those forms nor made aware of a fraud claim by JPMorgan Chase bank. XXXX and I called JPMorgan Chase on a 3 way call and spoke to a supervisor who claimed they sent the forms on XX/XX/XXXX. However, XXXX XXXX did a department wide search and could not find any forms received. XXXX XXXX did an internal investigation and informed me that even if they did receive those forms today it was too late because the funds had already been transferred out of the receiving account and that I needed to go back to chase bank. I again called JPMorgan Chase Bank and the supervisor of the fraud department informed me that there was nothing they could do and that they closed the case and could not help me. On Saturday XX/XX/XXXX I reached out to the XXXX, FL police department to report the theft/fraud at which they gave me the packet to complete and informed me to file with the FTC prior to returning the packet as to include the FTC report and claim number. On Monday XX/XX/year> I turned in the packet and filed a police report with the XXXX, FL police department for fraud/theft/wire fraud. I also gave a copy of the Federal Trade Commission report and report number : XXXX. Chase closed the case of fraud without looking at the evidence I had showing my information had been breached and I had been receiving text messages disguised as chase messages. I also had proof that someone requested a temporary username and password. The day The Wire had been transferred along with an email where The Wire was set up that day on my account prior to that. I have never transferred any money by a wire. I did not know this person. I do not know this person. I did not know this person. I did not authorize the transfer and Chase will not stand behind and Insure my account. They said sorry for your loss but we can't help you. I am out my entire life savings {$21000.00}. Because somebody failed to do what they were supposed to do in the first place. Chase claims they sent the documents to XXXX XXXX and XXXX XXXX swears they never received those documents. Somebody is wrong and lying somewhere and I'm the one who is paying the price for it. It's not right And it's not right.","date_sent_to_company":"2024-01-18T18:01:30.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"347XX","tags":null,"has_narrative":true,"complaint_id":"8179316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-18T17:13:20.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The rep placed a <em>freeze</em> to my online access all together and closed all open accounts including checking, savings, and debit <em>card</em>. They then opened new accounts and requested a new debit <em>card</em> be issued. I then spoke to the chase tech dept and obtained a new username and password for my online access <em>after</em> having me changed my email password associated with my bank account and run an antivirus program on all devices."]},"sort":[12.135438,"8179316"]},{"_index":"complaint-public-v1","_id":"6233711","_score":11.617389,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Here is what happened and had Been happening. I am a victim of fraud and Identity theft. I believe Experian Credit reporting agency is a major part of the problems I have been experiencing. Although I had been experiencing and feeling the effects from this I did not know what was happening, why, or how. finally in XXXX  after being scammed by different banks since I was 20 years old in XXXX I was told by a bank in XXXX that I was a victim of fraud and identity theft and to check the credit bureaus which they had listed on the letter which was ExperianXXXX XXXX, and XXXX XXXX XXXX XXXX  which I did not even know there were ac counts created at these companies with my private personally identifying information because I myself did not create or open these accounts. I did not even know that I could. After contacting first XXXX, there\nI learned that I was in fact a real victim of fraud and identity theft. I was made aware that my Social security number had been mixed with a whole other individual file and it was a business. At that time XXXX verified my real identity and said they would no longer report that information with my file and that my file was secured. that company suggested I contact the other three credit reporting agencies, Experian, XXXX and XXXX which I had done right after. the first one I contacted was experian. Once I got connected with a online agent, I explained why I was calling, and that I had been a victim of fraud and identity theft who was told to contact the. company. The agent asked me for my social security number. At first I was hesitant, yet after the agent said if I did not give it to the agent that the agent could not help me. So I ended up giving the  number to the agent who then told me yes I did have a consumer file. I explained to the agent that I did not know that, nor had I created that consumer account file and reminded the agent of just learning that was happening to me. The agent began  to verify the in formation on the report. None of it was accurate, none of it, from my full given name which if it was me would have been used accurately plus if it was verified, would have been accurately entered if it was truly my account as the agent told me it was even after I explained to the agent the reason for my call for that company to know I did not create or open that account and did not even know there was one existing in my likeness. the agent began to attempt to get my accurate information just to put it on the inaccurate fraudulently opened account. once I noticed that I had made the agent aware that the agent seemed to be trying to cover up something instead of closing the account that I did not create or as for. well at that time the agent got rude and began to tell me that I could put a security freeze or and fraud alert even after me telling g the agent that is not my account and I just simply want that account removed or my information that was mixed with that account removed from the account. The agent told me that would not be able to be done, and begin to as me for things lie my date of birth, which they had inaccurate, ask. me for my address which they had inaccurate, because I was able to pull up the file while talking on the phone with the agent after getting the information from the agent.The agent asked me to look over the file and anything that I did not see correct to say what information was not correct. once I looked and verified with the agent that none of it was correct not even my name. the agent told me that yes it was correct and that they would not change it, even after I uploaded and sent my accurate identification of my full given name and surname as it ought to be accurately, my date of birth was inaccurate which I verified that the agent was leaving and reporting information that should not be attached to me. The agent said that they would not change it because it was accurate and would not be able to be disputed. I asked even though I am a victim of fraud and identity theft and I verified that you are reporting inaccurate information is what I asked the agent at that time. The agent said yes even though that the agent would not change it and it would still be reported on the file . Then the agent went on to say is there anything else I wanted to dispute rudely. I then responded yes! All that is being reported as debts I owe which infect I do not owe which infect are other individual accounts using my social security number with their accounts which was what I learned from another bureau who notified me to tel me who also knew they were fraudulent accounts and inaccurate who told me they would no longer be including my private personally identifying information with that file, is when I asked why are you to the agent. who said because it was my information and it was accurate, but I could put in a dispute is when the agent said they could help me with that. I then said yes please do dispute it. I also then asked the agent well your saying the information is accurate even though I am saying it is not and can verify it and have, where was the agent getting this information from that the agent was so confident was being reported accurate from? and what way did the agent use to verify that it was accurate to the point the agent was defending it with a attitude towards me the real one verified? The agent said that it received the information from several reporting companies. I then said oh really? even though the major ones notified me I was being a victimized by fraud and identity theft is what I asked the agent. The agent responded that I would have to take that up with the company and that the agent was completing the disputes and that I needed to wait for a response from the companies who was listed as reporting the information as accurate to complete their investigation and I would be notified. the agent then said there was nothing else to be done. I waited for the response. Once I got the response back, even after I verified my true accurate information, after I disputed all the inaccurate information, I was shocked to learn that the results from waiting came in and I was told that that was my accounts and the information was accurate so they at experian  was leaving it on. This happened in February , XXXX of XXXX because I had eventually disputed the information again yet the same thing keeps happening. even up to this day of me putting in yet another complaint about this for a resolution and more for the suffering this intentional error has been causing. I have contacted XXXX  who verified they did not even have a file for me and gave a few reasons, saying that I did not have a consumer file because I did not have a file in over 10 years, I never applied for credit, and it said something else I can't remember\n right now yet the card they sent id among the documents I collected from many companies in the past when I the fraud and identity theft and scamming was being done to me before I even knew what it was and what had been happening to me, even up to this day.  I explained that learning that much, I called back to experian and another agent tried to defend and stick to I guess their script to defraud by trying to say the information was accurate. I made that agent also aware that I hade no account with XXXX after calling that company to verify and XXXX who also said the same thing when I first called them. After speaking to them they gave me a account, told me to keep the freeze on and that they would help protect me from any fraud and would not report any fraudulent or inaccurate information and that they would alert me to any suspicious activity using my private personally identifying information.  I get a monthly statement from XXXX letting me know, no public records were open on my account, no activity, no debts. nothing which I don't have as verified by the IRS bureau of fiscal services who verified my social security number and said my account was paid in full and I did not owe any debts, and because I was not employed by anyone or own any business, that I did not even have a its collection account with them, after I explained to the IRS the reason for my call to their bureau as I was trying to find out how the fraud and identity theft was happening and explaining how another credit bureau agency had told me that my social security number was used with an individual name but it was a business because I asked who and how because I had not lost my identification anywhere. The agents there verified my information and let me know to contact the social security administration and the law enforcement.  Which I did but I guess that is another complaint for a different thing, yet somewhere from some source, which I keep coming back to experian who has to be reporting the inaccurate information, even though they say its not them because they are reporting accurate information although I know that they are not, this information being negatively reported with my private personally identifying information although I do not get loans and have not ever been able to since I was 20 when I first ever went to a bank to apply for an account which I was told I needed to be able to make payments to eat, get a place to live, to make payments for all I needed to pay for costs and things, is what I was told by those individuals in business in offices that  I was instructed to go to located in the state of North Carolina to start, at age 20 that I surely remember the individuals there in those offices even the banks I went to, asking for my private personally identifying information who said they needed it to provide me what they said I would get. I now know for a fact from years of the same experience of being instructed to open a bank account in XXXX, that I have been scammed for years well more like decades because of this misleading suggestions by the business employees who apparently get my information and then instead open up fraudulent accounts who have been selling it to the credit agencies or bureaus who continue to keep inaccurate reporting which is obviously coming from credit reporting agencies, which I was being told for the longest that Identity theft is hard to resolve or investigate because they the investigation bureaus do not know where this is coming g from, I now know that has been a lie too. I know for a fact that no one is doing nothing about this and did not truly investigate or verify the information they bought and have been selling and continue to sell as accurate  is my guess is why they are refusing to stop. I even contacted  Bureau of fiscal services, United States treasury department who said none of my transactions should never decline for payments. And I left out the fact that I am actually owed money from many deposits I made to these fraudulent bank accounts created in my likeness yet not accurate because when I questioned on many occasions to the banks managers throughout my experience with banks from XXXX  up to this year XXXX  when they were opening an account for me, I questioned the fact that even after I show my passport identification united stated of America and no I am not an immigrant, I am native to North American land which has been verified, I questioned even after verifying why did they change my name which could appear could be someone other than myself and would cause a conflict which could explain why the bank accounts never be sufficient after learning this was happening at all the banks I ever applied to, who would do this, and them reporting to these other agencies and bureaus as accurate, yet the accounts the bank managers actually opened up for me from now to back then have never been sufficient, I get over charged, I never receive the proper credits back to my accounts and loose all my deposits to those banks after the accounts there get closed but I did not and do not owe any debts. As a matter of fact I am actually owed payments back due to me from making many advanced payments because the businesses, banks, first. My reason I believe this was able to happen and go on for so long is because the credit reporting company experian and the banks and other credit reporting agencies reporting inaccurate information about me actually have some type f[of business deal to defend that mess. which is caused and still to today been causing a huge mess for my life and lifestyle, causing me to be scammed and at risk for more scams which continues as I go without because of the misconduct of these agents representatives who been trusted somehow by who I do not know cause I did not trust them. I was always told since 18 if I do not work and go sign up to these businesses who been scamming me that I would not be able to have any money eat, or have a place to live or get what I needed or wanted. Well I did all that since XXXX and in XXXX still being scammed til this day. All starting with these companies or against under government who have been stealing and scamming from me down to my very own identity and continue to report their version of my identity and their a counts as my own. Experian will not close or compensate  nor correct the inaccurate in formation and separate my private personally identifying information from those accounts. instead they continue to report them which had surely been having a negative affect on my and my children lifestyle without a doubt. But they still defend this madness and I still have to suffer as I am because of it. My children and I. and it is not fair. Yet tell me is it fair that they get to do this and continue to profit from it while we go without? this is my complaint something has to change immediately. This should not be allowed to go on any further as it has, for weeks, months, years, decades to me and my children is wrong. absolutely wrong and shall not be happening. Yet I my complaints just keep getting passed around  and no place yet that I have sent reports to have done nothing to change this so that it is no longer a hinderance to my life. I am now beginning to wonder why? Not even this bureau who I haven't quite gave up on yet, as I did send a report complaint in XXXX  a few to the CFPB consumer financial protection bureau who seem to have done anything yet but forward my reports or complaints to the same companies who seem to be doing this because they are being paid from false inaccurate reports. Probably being paid from The Bureau of the fiscal services treasury account that I was told all my payments come from cash or Cheque form and should never decline. My guess is they are creating this so that they can be able to falsely charge me and my accounts so that they could get the payments instead as they falsely promise to make the payment. Then they create accounts and bills and things to cover cost and payments for their own benefit but then tell me I have to pay them when I never received the payment to make any payments in the first place, or they say I owe them somehow is what I see been happening now that I had to dome own investigating to help get a resolve because nobody was or is doing anything after I report everything that I have learned has been happening to me as I find out. There has to be justice to me and my children for a change of all of this. This is terrible. we can not even buy well pay for food because of it as well as many other necessities we are in need of and have been continuing to go without for years decades and still going on. makes no sense. Experian should just closed down because of doing this. I can only imagine how many other lives they ruined and continue to ruin because of their bad business practices and their affiliates who would take their word for it without going behind them and verifying their information they are reporting. I am just thankful that XXXX did, as well as the bank who chose to notify me of this as they should have, which was different than all the other banks who choose to scam me along side experian instead.","date_sent_to_company":"2022-11-22T22:55:45.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"29715","tags":null,"has_narrative":true,"complaint_id":"6233711","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-22T19:12:27.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["to be able to make payments to eat, get a place to live, to make payments for all I <em>needed</em> to <em>pay</em> for costs and things, is what I was told by those individuals in business in offices that  I was instructed to go to located in the state of North Carolina to start, at age 20 that I surely remember the individuals there in those offices even the banks I went to, asking for my private personally identifying information who <em>said</em> they <em>needed</em> it to provide me what they <em>said</em> I would get."]},"sort":[11.617389,"6233711"]},{"_index":"complaint-public-v1","_id":"8869686","_score":11.411395,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I changed my legal name to XXXX XXXX XXXX. My previous name was XXXX XXXX XXXX. \n\nOn XX/XX/XXXX I filled out Citi bank name change kit, including paying {$15.00} for having a notary ( XXXX ) watch me sign it. On the same day I mailed Citi bank everything in the name change kit, including a photo copy of my drivers license with my new name, the final decree of the legal name change signed by the judge, w9, and more. \n\nSometime after Citi bank sent me a debit card with my new name, at this point I thought everything was fine. Then Citi bank reverted my name change, sent me a new w9 to fill out. I filled out the w9 and mailed it to them. They denied the w9 because it had my new name on it. \n\nDesperate to get my funds out of my account I opened up a XXXX ( Colorado ) Checking account on XX/XX/XXXX and wrote a check from my old name to my new name for {$25000.00}. ( If Citi bank doesn't want to acknowledge my new name, fine, I'll just write a check to myself. My new bank was on board with this too. ) Citi bank froze my account and undid the {$25000.00} check which I had started already using for a CD that I opened with XXXX ( Colorado ) on XX/XX/XXXX. \n\nWhen I asked them why they froze my account, they refused to state why. \n\nI have spent countless hours talking with Citi bank 's customer support and they are useless and spiteful. They have refused to help. \n\nI reached out by email to Citi bank via XXXX and all they did was direct me back to their useless phone support. \n\nEvery other bank and financial institution was fine with my name change ( XXXX, XXXX, XXXX XXXX XXXX ), Citi bank is literally the only company I have had any issues with. \nSubmitted complaint to CFPB, XXXX On XX/XX/XXXX I once again sent in a name change kit, including a notary, photo copy of my drivers license both OLD AND NEW, the final decree of the legal name change signed by the judge, w9, and more. \n\nOn XX/XX/XXXX I called the fraud department to attempt to get information on why my account was still frozen. After giving my social security, debit card number, and checking account number, they transferred me and then that person hung up on me before I could even talk to them. \n\nOn XX/XX/XXXX I once again emailed customer help to attempt to get someone at Citi bank to take ownership of the issues I have been experiencing. \n\nOn XX/XX/XXXX I contacted XXXX team. They said agent investigating issue was busy and would respond in 48 hours. \n\nOn XX/XX/XXXX Talked to XXXX. XXXX was not in office at XXXX central time, they will reach out at some point? \n\nOn XX/XX/XXXX XXXX mountain time, I called citibank customer service and they told me to call XXXX to talk to another team that could help me with this issue but after calling the number it doesn't go to a citi >reached out to XXXX on both my old and new email addresses >reached out to XXXX on both my old and new email addresses On XX/XX/XXXX I received an email response from XXXX team and I immediately responded to their email as requested with attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with notary signed from previous notary from XX/XX/XXXX in addition to what they requested, I also included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpicture of the final decree of the legal name change signed by the judge from previous submission I also asked for information regarding a Need to Contact letter they mentioned in an email. I'm not sure if they mailed it already or if they are mailing it as of today. \n\nI submitted complaint to CFPB under my old name since my first complaint was rejected on XX/XX/XXXX because \" THE COMPLAINT LISTS SOMEONE THE COMPANY DOES NOT RECOGNIZE AS THEIR CUSTOMER OR THEIR CUSTOMER 'S AUTHORIZED REPRESENTATIVE. '' XXXX On XX/XX/XXXX XXXX mountain time, I reached out to XXXX 's phone number and requested XXXX contact me immediately. Another team mentioned my case was being handled by XXXX not XXXX and I am confused as to who I should be talking to. I also mentioned the emails I sent and how I might need help filling them out as I have a XXXX and don't understand their conflicting information they give me. \n\nOn XX/XX/XXXX XXXX, XXXX called me. She will respond to me Monday when she gets information back from another one of Citi 's departments. She stated I was already mailed a letter but I never received it ( USPS informed delivery can verify nothing ever reached my mailbox, the only thing I got from citi was a checkbook and SPAM ). She is going to send another letter. She can not verify what address they are sending it to. I suspect the first letter was \" lost '' by someone in the fraud department, likely a 2nd tier XXXX overseas. \n\nOn XX/XX/XXXX I went to a costco and updated my costco card with my new name, shouldn't have any problems but at this point since my costco XXXX card is attached to citi WHICH STILL REFUSES TO ACKNOWLEDGE MY NEW NAME i'm expecting problems On XX/XX/XXXX I called XXXX. They eventually got back to me and said my signature wasn't accepted DESPITE MATCHING MY GOVERNMENT ISSUED DRIVER LICENSE On XX/XX/XXXX I showed up to a XXXX ( Colorado ) branch to get a 3rd notary to sign my name change kit, and XXXX denied me notary services due to what citibank has done to me. They suspect me of fraud now and I can not even open an account with them. I drove to a XXXX location that I did my 1st notary with, the one who wrote XXXX instead of XXXX on the first workday of the year ( one of the reasons citibank refuses to acknowledge my name change ) and a different notary signed my paperwork. I reached out to XXXX through phone who were no help and reached out to customer help through email to get the mailing address of the name change kit. \n\nOn XX/XX/XXXX I mailed my fourth name change kit to Citibank Retail Service Operations, Attn : XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX On XX/XX/XXXX I received mail, my new Costco Anywhere XXXX Card by Citi with my ( SURPRISE! ) OLD NAME ON IT STILL On XX/XX/XXXX and XXXX, XXXX I emailed XXXX about not receiving letters that were supposed to help me unlock my account On XX/XX/XXXX I replied to XXXX email, they've still done nothing On XX/XX/XXXX I called XXXX multiple times. XXXX 's extension now hangs up on me immediately upon entering it. Eventually I got through and stated once again I have not received the need to contact letter. \n\nOn XX/XX/XXXX I sent all my personal information to the citi eru email since they haven't received my name change kit through the snail mail either. I verified I sent it to the correct address with XXXX. \n\nOn XX/XX/XXXX I called XXXX but could not get in contact with XXXX. Person I spoke to could also not get in contact with XXXX. Attempted to make a complaint for how ineffective the XXXX has been. Suspect someone in the fraud team is also not doing their job/lying as I have not received the need to contact letter on both attempts. It has been well over 10 business days now. \n\nOn XX/XX/XXXX I sent another email to XXXX, \" Can someone please help unfreeze my account and update to my new legal name? I have provided the name change kit via mail ( mailed XX/XX/XXXX ) and have also provided images in the previous two emails I have sent to XXXX. I called Friday but XXXX never replied. She was supposed to follow up with me from a call from Thursday too regarding the need-to-contact letters that both never arrived in the mail. \n\nOn XX/XX/XXXX I made another complaint with consumerfinance, Complaint Number XXXX, fair resolution : 1 ) unfreeze my account 2 ) update my legal name 3 ) provide interest from {$25000.00} that is frozen in checking account that they have refused to unfreeze. I am only asking for the interest that would have been earned had I been allowed to transfer the money to my savings account which earns 4.35 % interest rate. I am not even asking for the 5.0 % interest rate I would have been earning had they not frozen my account through a XXXX XXXX. They have ruined my reputation with XXXX and have been completely malicious and inept at fixing my issues. I have provided all the documentation that should be necessary to fix my issues but they still refuse to help. The date of the freeze was on or around XX/XX/XXXX. If my math is correct, as of today they owe me around {$110.00} in unpaid interest from their malicious account freeze. They have also made me waste endless time talking to their customer support, email their customer support, driving to public notaries, paying notaries {$15.00} for their signature, driving to the post office, and the extreme mental health consequences of not being able to pay my rent starting XX/XX/XXXX and not allowing access to my money for purchases such as car insurance. \n\nOn XX/XX/XXXX I made a complaint to fdic.gov, case number is : XXXX : I am writing to bring to your attention a concerning and ongoing issue regarding the freezing of my accounts due to suspicions of fraud, despite my repeated attempts to submit a legal name change. \n\nFor over a month now, my accounts have been frozen, rendering me unable to pay my bills and manage my finances effectively. Despite my efforts to submit multiple name change applications, I have encountered numerous obstacles. Each time I submit an application, it is either rejected over minor errors or, alarmingly, Citibank claims they never received it. Citibank has even gone so far as to ask me to change my legal signature that has already been accepted by Social Security Administration and Department of Motor Vehicles. I have had three independent notaries confirm my identity, two at XXXX and one at XXXX XXXX XXXX. Still, this is not good enough for Citibank. They have gone overboard into maliciousness and ineptitude. \n\nFurthermore, my attempts to communicate with the fraud department and the executive response team have been met with frustration and unhelpfulness. Calls to the department result in being hung up on, and promises to send verification mail to confirm my identity have gone unfulfilled. It is particularly distressing to note that while I await this crucial verification, I continue to receive other correspondence from Citibank to the address on file for my account, further adding to my confusion and frustration. All of this contradicts the customer service standards one would expect from a reputable institution like Citibank. \n\nIn addition to these challenges, I have already lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ), yet Citibank 's response merely reiterated their refusal to recognize my identity, despite the fact that I am the same person attempting to access my accounts. Their responses to me, starting in XX/XX/XXXX have been contradictory in nature, which has further escalated the confusion and frustration resolving my issues. \n\nThis situation has caused me significant financial distress and emotional strain. I had my name changed due to a history of abuse towards me, and these actions by Citibank indicate discrimination towards people who have experienced abuse. I implore you to take immediate action to rectify this issue and unfreeze my accounts. I have complied with all requests for documentation and verification, and it is imperative that Citibank honor its commitment to providing fair and accessible banking services to its customers. \n\nI am aware that banks have the authority to freeze accounts under suspicion of fraud, as part of their obligation to prevent financial crime. However, this authority comes with the responsibility to ensure that such actions are justified and that customers are not unduly penalized. The Fair Credit Reporting Act ( FCRA ) and the Electronic Fund Transfer Act ( EFTA ) provide protections for consumers in their dealings with financial institutions, including the resolution of errors and disputes in a timely and fair manner. \n\nOn XX/XX/XXXX I called XXXX and was able to talk to XXXX, she is talking to a supervisor as a continuation from our call XX/XX/XXXX. She confirmed she received my emails and the new CFPB from XX/XX/XXXX which also has all my name change kit information. She has made no progress since our call XX/XX/XXXX. She also stated they have still not received my mail from XX/XX/XXXX for the third name change kit. \n\nOn XX/XX/XXXX I put in a service request with USPS in the chance there is a rogue mailman ripping up my mail or something along those lines. Post office will investigate. Service request # XXXX On XX/XX/XXXX, morning, I received an informed delivery from USPS showing a SPAM letter from Citi instead of a need to contact letter. This is the same exact SPAM letter I have received, now the third time, in as little as 2 months. I heavily suspect the fraud department is sending these SPAM letters instead of the need to contact letter. I sent the screenshots to 3 citibank email addresses, including XXXX. \n\nOn XX/XX/XXXX, morning, I called XXXX team and immediately got to talk to XXXX. I notified her of what I suspect ( see above ) and told her I sent her an email with the screenshot. She informed me my name change finally got approved. Still waiting on the account freeze, she is ( STILL ) working on alternative methods of unfreezing my account. Because my name change went through, there is a chance another team might be able to unfreeze it today, but I won't hold my XXXX breath. \n\nOn XX/XX/XXXX, late afternoon, I attempted to move money from my checking to my savings and it is still frozen. I emailed XXXX as it has now been a full work day for XXXX and there is still no progress unfreezing my account. \n\nOn XX/XX/XXXX, mid-late afternoon, I reached out to XXXX team trying to get an update as it has almost been a full week since XXXX started looking into ways to unfreeze my account. Wasn't able to talk to XXXX. \n\nOn XX/XX/XXXX, morning, I reached out to XXXX team twice trying to get an update as it has been a full week since XXXX started looking into ways to unfreeze my account. First time she answered to silence. Second time the receptionist said she was at lunch. Requested a call back. \n\nCalled general support hoping they could help me more than the XXXX team since XXXX hasn't talked to her supervisor and hasn't helped me in a full week with unfreezing the account. They are sending a new need-to-contact letter, now the 3rd. Hopefully it doesn't get lost in the mail yet again. \n\nOn XX/XX/XXXX, afternoon, I reached out to XXXX team again trying to get an update as it has been a full week since XXXX started looking into ways to unfreeze my account. Third time she was on call with another customer. Requested a call back. Made a complaint that will be forwarded to XXXX 's supervisor as she has made no progress \" talking to her supervisor '' since XX/XX/XXXX. \n\nOn XX/XX/XXXX, afternoon, XXXX called me. She has made no progress. States she is \" reading policies '' and NOT TALKING TO A SUPERVISOR DESPITE HER SAYING SHE WAS ON XX/XX/XXXX. Sent email to XXXX stating that XXXX is a liar along with these notes above. \n\nOn XX/XX/XXXX I called general support hoping they could help me more than the XXXX team since XXXX hasn't talked to her supervisor and hasn't helped with unfreezing the account. After verifying my card number, my full name, my phone number, they had me open up the app and verify a notification, then after I passed all those methods they hung up on me stating they exhausted all methods of verification, despite me passing everything. \n\nOn XX/XX/XXXX I received a debit card with my new name on it. After activating it, I sent XXXX an email asking for help unfreezing my account, getting a costco XXXX card with my name on it, a checkbook with my name on it. Since I verified my debit card security code to activate it, I have proven I live at my address. \n\nOn XX/XX/XXXX I called XXXX. XXXX called me back. She can't do anything for my account freeze despite me proving my identity with account numbers, social security numbers, my PIN, my drivers license, the judge 's final decree for the name change, and proving I live at my address via activating my debit card. I asked her to verify I was sent a ( XXXX ) need-to-contact letter, she said she would follow up on that. She also stated she contacted another XXXX team about issuing the costco credit card with the new name on it. The checkbook can't be issued until the account is unfrozen. \n\nOn XX/XX/XXXX I called XXXX. XXXX was able to verify a need to contact letter ( 3rd ) was sent within the last week and should arrive up to 10 business days from when it was sent. Since they closed my CFPB complaints and I still have an open issue, I issued a XXXX complaint, XXXX On XX/XX/XXXX I received a credit card with my new name on it. Activated it. \n\nOn XX/XX/XXXX I emailed XXXX team as it has been over 10 business days since I requested the 3rd need to contact letter. I also called them at XXXX. At noon I called general support to talk to fraud team they couldn't verify my phone number (????? ) it isn't attached to my name (???? ). I called XXXX team once again at XXXX as XXXX still hasn't reached out to me. \n\nOn XX/XX/XXXX I received a letter in the mail but it was not the need to contact letter. I sent the XXXX team an email with a picture of the letter I received, proving once again I live at my address. I called citi customer service and after verifying my credentials they are sending a need to contact letter ( XXXX ). \n\nOn XX/XX/XXXX I requested another need-to-contact letter ( XXXX ) from the general support/fraud department. \n\nOn XX/XX/XXXX I opened a 5th complaint with CFPB, XXXX. Pretty much exactly the same as the 4th complaint which they closed. I'm still not receiving the need-to-contact letter required to unfreeze my account. \n\nOn XX/XX/XXXX I left a voicemail to XXXX, once again requesting a supervisor of XXXX look into this case as I am still not receiving the need-to-contact letters. I called again at end of shift and they are no longer answering. \n\nOn XX/XX/XXXX I called XXXX as they closed the CFPB ticket I opened yesterday because \" it appears to be a duplicate '' but my case is still unresolved. I pleaded with them to help. Person I talked to said they would re-open the case and forward the message to the managers. \n\nOn XX/XX/XXXX I did not receive the 4th need-to-contact letter I contacted general support as I did not receive the 4th attempt at getting a need-to-contact letter from the fraud department. They are sending a 5th letter now as that is the only option. \n\nOn XX/XX/XXXX Called ERU team, XXXX didn't answer, talked to someone and they opened up a new case and XXXX assigned the new XXXX case number XXXX. The person I spoke to XX/XX/XXXX never reopened the case.","date_sent_to_company":"2024-04-26T17:39:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"80401","tags":null,"has_narrative":true,"complaint_id":"8869686","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-04-26T17:33:10.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>After</em> verifying my <em>card</em> number, my full name, my phone number, they had me open up the app and verify a notification, then <em>after</em> I passed all those methods they hung up on me stating they exhausted all methods of verification, despite me passing everything. \n\nOn XX/XX/XXXX I received a debit <em>card</em> with my new name on it. <em>After</em> activating it, I sent XXXX an email asking for help unfreezing my account, getting a costco XXXX <em>card</em> with my name on it, a checkbook with my name on it."]},"sort":[11.411395,"8869686"]},{"_index":"complaint-public-v1","_id":"4604308","_score":11.010391,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Synopsys : After notifying my bank, US Bank, that I had been defrauded {$1200.00} via a wire transfer from a scammer who had stolen over XXXX Bitcoin ( {$1.00} mil. USD ) it took my bank 30 days to get me a letter to sign so the other bank could return my funds. Not only did I lose my entire income from XXXX, but the scammer is still stealing from people via Bitcoin. \n\n\nHere 's the story ... \n\nOn XX/XX/XXXX, I made a wire transfer of {$1200.00} from my bank in Iowa to a bank in South Carolina ( see image # 1 ). I was trying to purchase product at wholesale price to sell on XXXX. The seller was verified twice on a website called XXXX. At first he tried getting me to wire the money from my Credit Card via two Bitcoin websites. Those transactions failed so I went with the wire transfer option instead. I thought he was legit, what else can I say? \n\nOn XX/XX/XXXX, I realized I had been scammed and immediately contacted XXXX and US Bank. I followed all the instructions my banker, XXXX, told me to do, including filing a report with my local FBI office. I also contacted the bank in S. Carolina and talked to the manager, XXXX. I told her that her institution was being used by a criminal who was using her bank for fraudulent wire transfers. After talking to her a few times I was reassured that the fraudulent funds were on hold. She did not tell me they were only on hold for a limited time only. \n\nOn XX/XX/XXXX I was called in by my bank to sign something called a \" hold harmless '' letter ( see # 2 ). As I will prove later, US Bank had already received this letter for me to sign on XX/XX/XXXX. XXXX, the person handling my wire fraud claim, sat on this letter for two weeks. \n\nA few weeks later I called my banker for an update. I got a voice mail later saying she was going on vacation and my money was gone. Needless to say, I flipped XXXX XXXX out! Since my banker was on vacation, I called the scammers bank and yelled at XXXX. She said it was out of her legal control to be able to freeze the funds in the account, and that the scammer had withdrawn MY MONEY and had closed down the account. What a waste of energy! \n\nSo, this is when my nightmare began. I will spare you all the details. I have contacted XXXX with no response, the FBI with no response, the local police department in XXXX XXXX with no help, XXXX XXXX XXXX which charged me {$40.00} to tell me I would have to go to trial and pay them lots of money to get my {$1200.00} back ... Sigh. \n\nAs a matter of fact, when I first called my bank on XX/XX/XXXX, the receptionist, XXXX, told me I couldn't come in immediately because of Covid. I showed up in two minutes, tried calling three times with no answer, and I ended up having to wait at the front door for someone to leave before I could enter. The apathy regarding this event was palpable. I have a new found hatred for banks, bankers, and all the scum that works for them. \n\nOn XX/XX/XXXX, I received a reply from US Bank via a complaint I filed via the XXXX  ( see # 3 ). The response stated that on XX/XX/XXXX US Bank received a hold harmless letter that needed to be signed by me. If you remember from above, I signed this letter on XX/XX/XXXX. XXXX  from US Bank sat on this for two weeks! The XXXX  response then goes on to say that on XX/XX/XXXX US Bank received the signed letter. That is a lie! I had talked to my own personal banker XXXX the next day ( XX/XX/XXXX ) to make sure she sent the letter to XXXX! They had my signed letter on XX/XX/XXXX, not XX/XX/XXXX! The XXXX  response then goes on to say that after they sent the letter to the S. Carolina bank, the funds were gone ( implying it was my fault because I was the one who delayed the letter getting back in time ). \n\nOn XX/XX/XXXX, I received a second reply from US Bank via the XXXX  website reiterating that, \" On XX/XX/XXXX, the receiving bank replied requesting a hold harmless letter be returned. You fulfilled this request on XX/XX/XXXX, at which time we returned it to the receiving bank. '' Again, this is an outright lie! I had the paper signed on XX/XX/XXXX. And again, I contacted my banker XXXX on XX/XX/XXXX to make sure she forwarded it to XXXX  at the wire department! In full disclosure, after I signed the letter I did hand it off to XXXX. Perhaps XXXX sat on the letter and XXXX is lying to protect XXXX. I have no idea why XXXX disrespected me the way she did when I found out I had been robbed. I thought we had a good business relationship. \n\nTo sum it up, it has taken me a great deal of time and energy to decipher all the lies told to me via the people at US Bank. Them telling me I \" fulfilled this request on XX/XX/XXXX '' when I actually did so on XX/XX/XXXX was beyond infuriating! This was a simple problem and US Bank failed miserably! \n\n\nThis is what I want : I want to know why XXXX refused to help me when I was frantic the day I found out I had been scammed. I was in the process of losing my first years profits working on XXXX, and at the same time I had to listen to her cackle with her customers at the drive up window for 15 minutes once inside while waiting for my banker. This was beyond unprofessional. \n\nI want to know why it took XXXX  from XX/XX/XXXX to XX/XX/XXXX ( almost an entire month ) to get a signed piece of paper to me and back to the scammers bank! \n\nI want to know what XXXX and my own bank manager plan on doing to make sure this never happens again! \n\nI also want my {$1200.00} back! And if I can't get it back, I want to make sure this does not ever happen to anyone ever again! This was completely preventable, and only occurred because of the incompetence of a bunch of liars that work at US Bank! If this wire transfer was for {$10000.00}, and I lost it all, I could have done something really horrible, like blow my brains out in the middle of US Bank. This is no XXXX joke! Banks are supposed to protect peoples money. What happened to me was completely unacceptable. \n\nI have been with US Bank since they were called XXXX XXXX. After 30 plus years as a loyal customer I requested one simple favor, and they couldn't figure out how to get me to sign a piece of paper within 30 days. I have a XXXX near perfect credit score rating, I pay all my bills and credit card payments on time, and this is what I get in return? What a XXXX  joke! \n\nThe most infuriating part of this whole ordeal is that this outcome did not have to happen. It was completely preventable assuming XXXX  and or people working my claim would have gotten the paperwork taken care of in a timely manner. \n\nAnd to top it all off, the head of security from the S. Carolina bank, XXXX, told me his bank sent a third notification to my bank on XX/XX/XXXX requesting permission to send back my funds with no response. I will add his contact information below. \n\nThe scammers Bitcoin wallet ( XXXX ) to date has XXXX BTC in it. If you search XXXX for \" XXXX btc to usd '' it shows XXXX Bitcoin equals {$1.00} million. \n\nAccording to : https : XXXX ... the scammer has continued stealing from people since he defrauded me. \n\nHere is a list of contacts if you are interested : XXXX XXXX ( my US Bank banker ) : XXXX XXXX  ( wire department ) XXXX XXXX XXXX Wire fraud number / claim # XXXX XXXX XXXX XXXX ( XXXX XXXX / XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( scammer ) : XXXX XXXX XXXX ( XXXX ) XXXX-XXXX  XXXX  ID XXXX Bitcoin wallet ( XXXX ) Email : XXXX If you need more evidence such as screenshots of the conversation between me and the scammer please let me know. \n\nI hope you can help me. Thanks for your time.","date_sent_to_company":"2021-08-05T07:51:46.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4604308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-08-05T03:41:08.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["She <em>said</em> it was out of her legal control to be able to <em>freeze</em> the funds in the account, and that the scammer had withdrawn MY MONEY and had closed down the account. What a waste of energy! \n\nSo, this is when my nightmare began. I will spare you all the details."]},"sort":[11.010391,"4604308"]},{"_index":"complaint-public-v1","_id":"12919380","_score":10.997926,"_source":{"product":"Checking or savings account","complaint_what_happened":"- first contact/ opening for personal account M & T Bank with XXXX XXXX on Date XX/XX/year> at XXXX XXXX XXXX funded by an outside source from a wire not business related - Opened business account with XXXX XXXX on XX/XX/year> at XXXX XXXX NY XXXX XXXX XXXX XXXX sat at XXXX Branch with XXXX XXXX and XXXX XXXX on the phone. Told them the exact volume I would be doing and exactly how my business operates and how I send wires out to my contracted employees and for my leads. Both were impressed by the volume I told them I could do and stated it was not an issue what so ever on date XX/XX/year> - Continued conversation with XXXX XXXX on XX/XX/year>, XX/XX/year> and after discussing volume and annual limits and transaction size limits XXXX told me it was opened and approved on XX/XX/year>. \n- On XX/XX/year> spoke with XXXX XXXX and specifically asked him XXXX, given that a lot of my transactions are on the larger side sometimes the transactions get declined first before approval is there a such thing is a decline ratio for merchant services that I should be aware of? XXXX stated no there is not, dont worry about it keep doing exactly what you are doing I said ok no problem thank you just want to be compliant. \n- XX/XX/year> my personal and business account were frozen and on this date I was asked to speak on a XXXX call with the following people : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The first thing said to me on this call was a lot of your approvals get declined first you are over the allowed decline ratio I stated I had just had a conversation with XXXX the day before and he said there was no such thing as a decline ratio. To which he immediately replied thats not true thats a lie we never spoke about that and made me out to be a liar infront of every one on the call. They went on to ask me about how my business flow works and who my partners were and where I get my leads. I gave them all the answers honestly and transparently. To where they then questioned me on why do I pay so much to where I get my leads from and that my leads sound expensive to them. To which I clarified that none of them know, understand or have ever been in my industry and found it very strange for them to question that. They then asked if anyone else sees client information and I stated ; yes of course I have a whole back end team who works with every client and gets all documents needed in house and stays in contact with them throughout the entire process. To which they then questioned that as well and said oh so you are sharing sensitive information with other people? I clarified that my backend team has no access to credit card information. But of course they have access to their names and phone number/ email address and asked them what company in the world does XXXX person who owns the company wear every hat for the entire company and do everything from A to Z that is not practical nor realistic. Which they just brushed off. They then asked for a sample contract and invoices for all clients which I provided. But my business and personal account were frozen on that day. \n- On XX/XX/year> I go into the XXXX branch to see if I can withdraw my funds or expedite the situation. To which both were declined. I asked both XXXX and XXXX my personal and business representatives respectively if they had any information about my situation to which both said they had no information know nothing and have no time frame of how long my funds would be frozen. \n- After constant calls to XXXX, XXXX and XXXX asking them about my situation and in almost XXXX weeks given absolutely XXXX information about anything regarding my accounts just that its above their head. I constantly asked who do I have to speak to give me a contact so I can ask about timelines and try to help expedite this situation which none of them would. \n- After more non-communication and neglect from every single person at M & T I decided to try to take things into my own hands to try to get some sort of response or communication. \n- On XX/XX/year> I sent an email to XXXX XXXX and everyone else on the leadership page for M & T bank to which I got a call from a lady by the name of XXXX XXXX who stated she is from the executive division and felt horrible about my situation and will do everything to get it rectified. She stated it would be sent to the proper person in order to do so. \n- On XX/XX/year> I was contacted by XXXX XXXX and she stated that she would be my point of contact and that she would get it rectified. \n- I spoke to XXXX for about XXXX minutes on the initial phone call to ask her about everything about my case and how I can help expedite it as at this point I havent had access to to a single XXXX to live in almost a month. She ensured me that she would get handled and have answers for me. \n- Spoke to XXXX again on XX/XX/year> which she stated she believes it is leaning towards just closing my account out and I could just pick up a check for both of my accounts. Which sounded great to me. XXXX stated it made no sense to freeze your account if they were doing it for risk of chargebacks when freezing it would cause that to happen because you cant pay your employees to do the work and the whole situation is a catch XXXX. Which I completely agreed and said thats what Ive been saying from the beginning. \n- I tried calling XXXX on XX/XX/year> and XX/XX/year> to which there was no answer. XXXX called me on XX/XX/year> to which she stated she had no new information about the case. She stated that this was a different department and out of her hands. I asked her so then why was this assigned to you and she stated thats a fair question and I have no idea to which I replied so basically I have just been getting the run around this entire time because theres nothing you can do. \n- Since XX/XX/year> I have continuously tried to call XXXX XXXX and XXXX XXXX who both assured me that I could contact them at any time if I ever needed anything and neither of them have answered XXXX single time since them nor have they ever attempted to call me. \n- I have also sent two more follow up emails to M & Ts leadership team and have never received a single response once from anyone.","date_sent_to_company":"2025-04-10T20:38:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"12919380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2025-04-10T20:28:52.000Z","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 accessing account"},"highlight":{"complaint_what_happened":["They then asked if anyone else sees client information and I stated ; yes of course I have a whole back end team who works with every client and gets all documents <em>needed</em> in house and stays in contact with them throughout the entire process. To which they then questioned that as well and <em>said</em> oh so you are sharing sensitive information with other people? 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