{"took":500,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":257,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4784030","_score":27.544674,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2021 unauthorized charges in the amounts of {$190.00} and {$20.00} were debited from my account, previous card number ending in XXXX was reported lost/stolen on XX/XX/2021. A new card ending in XXXX was received and activated on XXXX XXXX. The merchant of unauthorized charge was not authorized to debit funds from new card ending in XXXX nor checking account. Merchant was never given card nor account number.","date_sent_to_company":"2021-10-06T16:12:54.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"38127","tags":null,"has_narrative":true,"complaint_id":"4784030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2021-10-06T15:37:46.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/2021 <em>unauthorized</em> charges in the <em>amounts</em> of {$190.00} and {$20.00} were <em>debited</em> from my <em>account</em>, previous card number <em>ending</em> in <em>XXXX</em> was reported lost/stolen on <em>XX/XX</em>/2021. A new card <em>ending</em> in <em>XXXX</em> was received and activated on <em>XXXX</em> <em>XXXX</em>. The merchant of <em>unauthorized</em> charge was not authorized to <em>debit</em> funds from new card <em>ending</em> in <em>XXXX</em> nor <em>checking</em> <em>account</em>. Merchant was never given card nor <em>account</em> number."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[27.544674,"4784030"]},{"_index":"complaint-public-v1","_id":"4775013","_score":26.463284,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX Issue 1 : Paypal authorized, allowed, and debited from my checking account ending in XXXX, two transactions with high balances on XX/XX/XXXX. These were allocated to pay my normal living expenses and have caused me hardship to pay my creditors. \n\nThese do debits from my checking account were unauthorized. \n\nI have contacted Paypal and was told it would 10 days to investigate! These funds need to be credited immediately to my checking account ending in XXXX. \n\nIssue 2 : Lastly, I have a contractor building the deck to my home. I authorized Paypal to debit from my checking account ending in XXXX in the amount of {$240.00}. Paypal received these funds and have indeed been given to Paypal. Paypal has placed these funds on hold until XX/XX/XXXX, despite having received these funds. \n\nI contacted PayPal directly regarding both the unauthorized and the funds they are withholding from the contractor. Paypal refused to release the funds back to me.","date_sent_to_company":"2021-10-04T09:54:11.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"55068","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4775013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-10-04T09:37:06.000Z","state":"MN","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["XX/XX/<em>XXXX</em> Issue 1 : Paypal authorized, allowed, and <em>debited</em> from my <em>checking</em> <em>account</em> <em>ending</em> in <em>XXXX</em>, two transactions with high balances on XX/XX/<em>XXXX</em>. These were allocated to pay my normal living expenses and have caused me hardship to pay my creditors. \n\nThese do <em>debits</em> from my <em>checking</em> <em>account</em> were <em>unauthorized</em>. \n\nI have contacted Paypal and was told it would 10 days to investigate! These funds need to be credited immediately to my <em>checking</em> <em>account</em> <em>ending</em> in <em>XXXX</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"]},"sort":[26.463284,"4775013"]},{"_index":"complaint-public-v1","_id":"9703061","_score":24.01681,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, XXXX ( Bank ) received an XXXX electronic debit transfer from the beneficiary in the amount of {$2500.00} from checking account ending in XXXX. The bank 's system of records details that this XXXX was initially funded as the available balance on Banks system of records as of XX/XX/XXXX at the end of business day for checking account ending in XXXX was confirmed as {$3800.00}. No other debit superseded this XXXX transfer at the time of request. The bank 's system of records will prove that when the XXXX transaction was posted, the bank initiated the payment of the XXXX, leaving a credit balance of {$1300.00} available for subsequent transactions. \n\nThe bank 's system of records also shows that a debit posting after the funded ACH on the checking account ending in XXXX  for an unauthorized advice of charge in the amount of {$3800.00} was paid by the bank reversing the previously funded XXXX debit of {$2500.00}. The bank deliberately reversed the XXXX electronic payment, bouncing that electric debit after it had clearly funded and instead funded an unauthorized advice of charge in the amount {$3800.00}, bringing this account to {$0.00}. \n\nThe Banks resequencing actions immediately started an onslaught of excessive NSF ( Non-Sufficient Funds ) fees to the account holder. The beneficiary whose ACH withdrawal was funded and then reversed has started collection and reports to Credit Bureaus ( FCRA ). The bank is also pursuing collections against account holder for NSF ( Non-Sufficient Funds ) fees for transactions it aborted. Account holders credit report has been negatively impacted due to these actions. The Bank XXXX XXXX of XXXX, AZ was contacted on XX/XX/XXXX and XXXX to equitably resolve this matter. Their answer was, \" no. '' As we speak, NSF fees continue to accumulate, collections initiated and the account hold violated. \n\nThe bank 's actions in resequencing transactions and charging multiple overdraft fees constitute a breach of the terms and conditions governing the bank account. \n\nThe bank 's practice of resequencing transactions to maximize overdraft fees is an unfair and deceptive act in violation of XXXX XXXX Statutes. \n\nThe bank owed the account holder a duty of care to handle transactions in a fair and reasonable manner. In it's negligence to do so, the bank breached this duty by resequencing transactions and causing account holder to incur significant overdraft fees The bank violated the Electronic Fund Transfer Act ( XXXX ) by improperly handling account holders ACH transaction, prioritizing unauthorized affiliate charges in a manner that favored the bank and then charged excessive fees.","date_sent_to_company":"2024-08-05T02:28:44.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9703061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2024-08-05T01:32:11.000Z","state":"AZ","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":["On XX/XX/year>, <em>XXXX</em> ( Bank ) received an <em>XXXX</em> electronic <em>debit</em> transfer from the beneficiary in the <em>amount</em> of {$2500.00} from <em>checking</em> <em>account</em> <em>ending</em> in <em>XXXX</em>. The bank 's system of records details that this <em>XXXX</em> was initially funded as the available balance on Banks system of records as of XX/XX/<em>XXXX</em> at the end of business day for <em>checking</em> <em>account</em> <em>ending</em> in <em>XXXX</em> was confirmed as {$3800.00}. No other <em>debit</em> superseded this <em>XXXX</em> transfer at the time of request."]},"sort":[24.01681,"9703061"]},{"_index":"complaint-public-v1","_id":"8639995","_score":23.926004,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chase closed my account without properly investigating the unauthorized funds charged by farfetch and XXXX on the account. Chase stated that they closed my account ending in XXXX on XX/XX/2024. Chase also stated that they released and mailed the funds to my address. It has been more than XXXX business days since XX/XX/2024 and I have not received a check from chase. I asked chase could I go into a local branch to receive the check and chase declined. I asked chase. I called chase several times and they then stated that the check mailed out on XX/XX/2024 instead of XXXX XXXX. Chase said I should wait until XX/XX/XXXX, XXXX to receive the check in the mail and I still did not receive the check in the mail on XX/XX/2024. There are XXXX amounts in which chase states the check amount would be {$1700.00} and {$2400.00}. Chase also closed the kid/teen checking account for debit card ending in XXXX and did not issue a check.","date_sent_to_company":"2024-03-27T22:29:02.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"30152","tags":null,"has_narrative":true,"complaint_id":"8639995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-27T22:20:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I called chase several times and they then stated that the <em>check</em> mailed out on <em>XX/XX</em>/2024 instead of <em>XXXX</em> <em>XXXX</em>. Chase said I should wait until XX/XX/<em>XXXX</em>, <em>XXXX</em> to receive the <em>check</em> in the mail and I still did not receive the <em>check</em> in the mail on <em>XX/XX</em>/2024. There are <em>XXXX</em> <em>amounts</em> in which chase states the <em>check</em> <em>amount</em> would be {$1700.00} and {$2400.00}. Chase also closed the kid/teen <em>checking</em> <em>account</em> for <em>debit</em> card <em>ending</em> in <em>XXXX</em> and did not issue a <em>check</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[23.926004,"8639995"]},{"_index":"complaint-public-v1","_id":"19215736","_score":23.311401,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am disputing a transaction in which the merchant withdrew an amount that exceeded the authorized amount. I provided Chase Bank with documentation clearly showing the authorized amount and written confirmation supporting this. \n\nAlthough XXXX has acknowledged the overcharge and initiated recovery with the merchant, they have declined to issue a provisional credit while the recovery process continues. \n\nThe continued delay is causing financial harm, despite sufficient documentation already being provided. I am requesting that XXXX issue a provisional credit and resolve the matter promptly. \nthis is the letter I sent to the XXXX XXXX office. \nXXXX XXXX XXXX, I am formally escalating an ACH Unauthorized Debit dispute that was improperly denied. \n\nOn XX/XX/year>, XXXX debited {$2700.00} from my XXXX business checking account. \n\nMy authorization was $ 541 monthly. I have : Account statements showing consistent {$540.00} XXXX debits A written email from BCBS confirming {$540.00} was taken and marked Paid in Full This makes the {$2700.00} debit unauthorized under XXXX rules, as the amount exceeds authorization. \n\nI am requesting immediate supervisory review and return of funds under XXXX XXXX XXXX XXXX ( Unauthorized Debit ) or XXXX ( Amount Different Than Authorized ). \n\nChases prior denial was in error and does not comply with federal and XXXX requirements. \n\nPlease confirm reinstatement of the claim and issuance of provisional credit. \n\nAccount number ending XXXX","date_sent_to_company":"2026-02-03T17:50:34.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"75024","tags":"Older American","has_narrative":true,"complaint_id":"19215736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-02-03T17:40:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I have : <em>Account</em> statements showing consistent {$540.00} <em>XXXX</em> <em>debits</em> A written email from BCBS confirming {$540.00} was taken and marked Paid in Full This makes the {$2700.00} <em>debit</em> <em>unauthorized</em> under <em>XXXX</em> rules, as the <em>amount</em> exceeds authorization. \n\nI am requesting immediate supervisory review and return of funds under <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>Unauthorized</em> <em>Debit</em> ) or <em>XXXX</em> ( <em>Amount</em> Different Than Authorized )."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[23.311401,"19215736"]},{"_index":"complaint-public-v1","_id":"3263294","_score":23.24729,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have been working with XXXX XXXX XXXX for almost 6 months to resolve a bank fraud issue that occurred as a result of someone cashing an electronic check assigned to Bank Of America. I have waited patiently for my bank ( XXXX XXXX XXXX ) to declare this issue as fraud, however, I have been waiting indefinitely for Bank of America to generate any type of response as to when XXXX XXXX XXXX   will be paid so that I can be reimbursed my money. A summary of the issue is described below. \n\nXX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Checking Account Number Ending In XXXX Savings Account Number Ending In XXXX Dear Ms. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed dissatisfaction with unauthorized transactions and the Banks Right of Setoff which took place on the above referenced accounts. Additionally, you requested the Bank to credit your account for the unauthorized activity. A review of records confirms you contacted the Bank on XX/XX/2019, to inform us of unauthorized account activity on your account ending in XXXX. Fraud is a serious matter and XXXX XXXX  takes every effort to protect our customers from being victims of fraud. When customers inform us fraudulent transactions have occurred on their account we diligently investigate the matter. On XX/XX/2019, claim number XXXX was submitted disputing a check number 5000 payable to Payoneer in the amount of {$380.00} which presented for payment on XX/XX/2019. In addition, on XX/XX/2019, claim number XXXX was submitted disputing a check number XXXX payable to XXXX in the amount of {$490.00} which presented for payment on XX/XX/2019. Provisional credit is not provided for ACH or Check claims, as we rely on the paying bank, in this case, Bank of America, to review the claim and provide credit. Please note we have reached out to the originating bank regarding the above referenced amounts. We are waiting for a response, and once we conclude our investigation you will receive a letter in the mail with our findings. Please note, when unauthorized activity occurs from a customers deposit account, the Bank recommends that the customer close their account because their identity, credentials, debit/ATM card or checks may no longer be in their possession. Bank records confirms as of the date of this letter your account ending in XXXX remains open, with a overdrawn balance of {$490.00}. It is important to mention, should the claims be found in your favor, the amounts and applicable overdraft/ sustained overdraft fees will be refunded. At XXXX XXXX, the security and protection of your accounts are of the utmost importance to us. XXXX XXXX   makes every effort to protect our customers from being victims of fraud and while we work diligently to ensure that the transactions processed are not fraudulent, unfortunately some fraudulent transactions may get paid, which is why we ask our customers to review their account activity carefully, report any discrepancies as soon as possible and establish a new account. Bank records confirm on XX/XX/2019, your checking account ending in XXXX was placed in a credits only status. Your savings account ending in XXXX was debited in the amount of {$490.00} on XX/XX/2019, to cover funds owed to the your account ending in XXXX. This debit is known as the Banks Right of Setoff which is outlined in your Personal Deposit Account Agreement. I have enclosed pages 31 and 32 of our Personal Deposit Account Agreement ( PDAA ). Please refer section titled Right of Setoff, this agreement states : If you owe a debt, including a debt secured by real or personal property, to us or any of our affiliates ( either now or in the future ), you grant us a right of setoff to, and a security interest in, all of your accounts to secure the debt to the maximum extent permitted by applicable law. Debts include any charges and fees you owe. We may consider this agreement as your consent to our asserting our security interest or exercising our right of setoff should any laws governing your account require your consent. Please note, on XX/XX/2019, the credits only status was temporarily removed from your checking account ending in XXXX, this was to allow the Right of Setoff to be reversed and the above referenced amount was debited from your account ending in XXXX and credited to your account ending in XXXX. On XX/XX/2019, the credits only status was placed back on account, while we continue to process your claims. Should you have any additional inquiries, please contact me directly at XXXX during my office hours of Monday through Friday from XXXX XXXX until XXXX XXXX  Eastern Standard Time ( EST ). Respectfully, XXXX XXXX Office of the Chairman Enclosures CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX CFPB Case Number : XXXX","date_sent_to_company":"2019-06-04T05:30:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19805","tags":null,"has_narrative":true,"complaint_id":"3263294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-06-04T01:25:17.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Your savings <em>account</em> <em>ending</em> in <em>XXXX</em> was <em>debited</em> in the <em>amount</em> of {$490.00} on <em>XX/XX</em>/2019, to cover funds owed to the your <em>account</em> <em>ending</em> in <em>XXXX</em>. This <em>debit</em> is known as the Banks Right of Setoff which is outlined in your Personal Deposit <em>Account</em> Agreement. I have enclosed pages 31 and 32 of our Personal Deposit <em>Account</em> Agreement ( PDAA )."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[23.24729,"3263294"]},{"_index":"complaint-public-v1","_id":"18991122","_score":23.010912,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : CFPB Complaint Ongoing Unauthorized XXXX  Transactions on Truist Accounts Company : Truist Bank Product : Checking Account / Debit Card Issue : Unauthorized transactions/ Fraud not stopped I am filing this complaint regarding ongoing unauthorized debit card transactions processed by Truist Bank related to XXXX. \n\nThe XXXX fraud on my Truist accounts appears to have begun around XX/XX/XXXX and has continued to the present, despite being reported to Truist Bank. The total amount taken across my accounts is in the thousands of dollars. \n\nI maintain XXXX separate Truist checking accounts, and both accounts were impacted by this XXXX fraud. I reported this to Truist and specifically requested XXXX new debit cards, XXXX for each account, due to the unauthorized activity. \n\nAfter the fraud was reported and new cards were issued, the account ending in XXXX no longer shows new XXXX charges. However, the account ending in XXXX continues to incur new unauthorized XXXX charges, even after Truist stated that corrective steps had been taken. \n\nI also want to be clear that I stopped using my debit card for XXXX entirely in XX/XX/XXXX once I realized fraud was occurring. Despite this, there have been more than XXXX unauthorized XXXX transactions posted from XX/XX/XXXX through the present, including XXXX charge in the amount of {$96.00}, none of which I authorized. \n\nI reported these transactions to Truist as fraud, not as a billing dispute, and advised that the activity was ongoing. Truist issued new debit card numbers and stated that merchant tokenization was cancelled ; however, unauthorized XXXX charges have continued on the account ending in XXXX, demonstrating Truists failure to stop known fraud. \n\nI have made extensive efforts to resolve this matter directly with Truist. I have spoken with Truist customer service representatives multiple times by phone and online, spending many hours reporting the fraud and following their instructions. I have also gone into a Truist branch in person at least XXXX times, where I sat down with a bank representative, provided my information, and completed the steps requested by Truist. \n\nAt Truists direction, bank representatives assisted me in faxing and emailing statements and documentation that Truist online customer service requested. Despite fully complying with these requests, Truist has not stopped the fraud, has not provided provisional or permanent credit, and has not provided a meaningful resolution. \n\nTruist has failed to prevent continued unauthorized electronic fund transfers from my account ending in XXXX and has failed to provide protections and reimbursement required under the Electronic Fund Transfer Act ( Regulation E ). \n\nXXXX has advised me to resolve this matter with my bank, while Truist has failed to stop the fraud or make me whole. As a result, I continue to suffer financial harm due to Truists failure to address known unauthorized transactions. \n\nI am requesting that Truist Bank : Fully reimburse all unauthorized XXXX  transactions across both accounts Provide provisional credit as required by law Permanently block XXXX  and any associated merchant tokens, particularly on the account ending in XXXX Correct its failure to stop ongoing unauthorized electronic fund transfers Due to the volume of documentation ( approximately 16 months of statements across XXXX accounts, each with multiple pages ), I have not attached every statement but can provide them upon request. The unauthorized transactions are clearly identifiable as XXXX charges in my Truist account history.","date_sent_to_company":"2026-01-25T15:46:50.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"18991122","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-01-25T15:32:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The total <em>amount</em> taken across my <em>accounts</em> is in the thousands of dollars. \n\nI maintain <em>XXXX</em> separate Truist <em>checking</em> <em>accounts</em>, and both <em>accounts</em> were impacted by this <em>XXXX</em> fraud. I reported this to Truist and specifically requested <em>XXXX</em> new <em>debit</em> cards, <em>XXXX</em> for each <em>account</em>, due to the <em>unauthorized</em> activity. \n\nAfter the fraud was reported and new cards were issued, the <em>account</em> <em>ending</em> in <em>XXXX</em> no longer shows new <em>XXXX</em> charges."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[23.010912,"18991122"]},{"_index":"complaint-public-v1","_id":"11274471","_score":22.731985,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX there is an unauthorized pending transaction of {$2000.00}. An Chase representative named XXXX assured me that this amount was an autopayment to my Chase credit card ending in XXXX. He refused to connect me with the credit card department and denied my dispute. He only offered that I wait for the unauthorized pending charges from Chase to be submitted for payment prior to refunding my account. I have since verified with Chase credit card that this amount is not being apllied to my Chase card. My bank account has already been debited {$250.00} on XX/XX/XXXX through autopay. The next date will not be until XXXX XXXX, XXXX. This is the second time in recents months that Chase Banks automated system has taken unauthorized XXXX debits from my Chase aacount. There have been unauthorized autopayments to other Chase credit cards funded from my bank account. The most recent Chase account rep tried to charge me a stop check fee to eliminate the payment erroneously generated by their computer system.","date_sent_to_company":"2024-12-23T16:27:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"11212","tags":null,"has_narrative":true,"complaint_id":"11274471","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-23T16:12:22.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I have since verified with Chase credit card that this <em>amount</em> is not being apllied to my Chase card. My bank <em>account</em> has already been <em>debited</em> {$250.00} on XX/XX/<em>XXXX</em> through autopay. The next date will not be until <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>. This is the second time in recents months that Chase Banks automated system has taken <em>unauthorized</em> <em>XXXX</em> <em>debits</em> from my Chase aacount. There have been <em>unauthorized</em> autopayments to other Chase credit cards funded from my bank <em>account</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[22.731985,"11274471"]},{"_index":"complaint-public-v1","_id":"3294170","_score":22.481129,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting a follow-up complaint on Bank of America, because they have not been responsive to my attempts to contact them or XXXX 's XXXX 's attempts to contact them to resolve the fraud issue. I have now waited over 6 months for a resolution. After 6 MONTHS Bank of America 's Regulatory Department states that XXXX XXXX XXXX has not tried to contact them and they don't have any record of my issue on file. They also said that it is MY responsibility to set up a \" three way call '' with BoA and XXXX 's XXXX so that they can speak to each other. XXXX 'XXXX XXXX states that they only work bank to bank directly and will not do this. I have provided more information on the issue below. \n\nI have been working with XXXX 'XXXX XXXX  for almost 6 months to resolve a bank fraud issue that occurred as a result of someone cashing an electronic check assigned to Bank Of America. I have waited patiently for my bank ( XXXX XXXX XXXX ) to declare this issue as fraud, however, I have been waiting indefinitely for Bank of America to generate any type of response as to when XXXX XXXX XXXX will be paid so that I can be reimbursed my money. A summary of the issue is described below. XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE :  Checking Account Number Ending In XXXX Savings Account Number Ending In XXXX Dear Ms. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed dissatisfaction with unauthorized transactions and the Banks Right of Setoff which took place on the above referenced accounts.  Additionally, you requested the Bank to credit your account for the unauthorized activity. A review of records confirms you contacted the Bank on XX/XX/2019, to inform us of unauthorized account activity on your account ending in XXXX. Fraud is a serious matter and XXXX XXXX takes every effort to protect our customers from being victims of fraud. When customers inform us fraudulent transactions have occurred on their account we diligently investigate the matter. On XX/XX/2019, claim number XXXX was submitted disputing a check number XXXX payable to XXXX in the amount of {$380.00} which presented for payment on XX/XX/2019. In addition, on XX/XX/2019, claim number XXXX was submitted disputing a check number XXXX payable to XXXX in the amount of {$490.00} which presented for payment on XX/XX/2019. Provisional credit is not provided for ACH or Check claims, as we rely on the paying bank, in this case, Bank of America, to review the claim and provide credit. Please note we have reached out to the originating bank regarding the above referenced amounts. We are waiting for a response, and once we conclude our investigation you will receive a letter in the mail with our findings. Please note, when unauthorized activity occurs from a customers deposit account, the Bank recommends that the customer close their account because their identity, credentials, debit/ATM card or checks may no longer be in their possession. Bank records confirms as of the date of this letter your account ending in XXXX remains open, with a overdrawn balance of {$490.00}. It is important to mention, should the claims be found in your favor, the amounts and applicable overdraft/ sustained overdraft fees will be refunded. At XXXX XXXX, the security and protection of your accounts are of the utmost importance to us. XXXX XXXX makes every effort to protect our customers from being victims of fraud and while we work diligently to ensure that the transactions processed are not fraudulent, unfortunately some fraudulent transactions may get paid, which is why we ask our customers to review their account activity carefully, report any discrepancies as soon as possible and establish a new account. Bank records confirm on XX/XX/2019, your checking account ending in XXXX was placed in a credits only status. Your savings account ending in XXXX was debited in the amount of {$490.00} on XX/XX/2019, to cover funds owed to the your account ending in XXXX. This debit is known as the Banks Right of Setoff which is outlined in your Personal Deposit Account Agreement. I have enclosed pages 31 and 32 of our Personal Deposit Account Agreement ( PDAA ). Please refer section titled Right of Setoff, this agreement states : If you owe a debt, including a debt secured by real or personal property, to us or any of our affiliates ( either now or in the future ), you grant us a right of setoff to, and a security interest in, all of your accounts to secure the debt to the maximum extent permitted by applicable law. Debts include any charges and fees you owe. We may consider this agreement as your consent to our asserting our security interest or exercising our right of setoff should any laws governing your account require your consent. Please note, on XX/XX/2019, the credits only status was temporarily removed from your checking account ending in XXXX, this was to allow the Right of Setoff to be reversed and the above referenced amount was debited from your account ending in XXXX and credited to your account ending in XXXX. On XX/XX/2019, the credits only status was placed back on account, while we continue to process your claims. Should you have any additional inquiries, please contact me directly at XXXX during my office hours of Monday through Friday from XXXX XXXX until XXXX XXXX Eastern Standard Time ( EST ). Respectfully, XXXX XXXX Office of the Chairman Enclosures CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX CFPB Case Number : XXXX","date_sent_to_company":"2019-07-02T11:42:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19805","tags":null,"has_narrative":true,"complaint_id":"3294170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-07-02T11:37:00.000Z","state":"DE","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":["Your savings <em>account</em> <em>ending</em> in <em>XXXX</em> was <em>debited</em> in the <em>amount</em> of {$490.00} on <em>XX/XX</em>/2019, to cover funds owed to the your <em>account</em> <em>ending</em> in <em>XXXX</em>. This <em>debit</em> is known as the Banks Right of Setoff which is outlined in your Personal Deposit <em>Account</em> Agreement. I have enclosed pages 31 and 32 of our Personal Deposit <em>Account</em> Agreement ( PDAA )."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[22.481129,"3294170"]},{"_index":"complaint-public-v1","_id":"10058318","_score":22.465221,"_source":{"product":"Checking or savings account","complaint_what_happened":"I noted an unauthorized charge on my business account while reconciling my business checking account in XXXX, XXXX. An unauthorized charge in the amount of {$43.00} payable to \" XXXX XXXX XXXX XXXX '' ( said charge being made with a debit card ) appeared on my online banking statement. I phoned my financial institution to get the details but they could not tell me much - other than what was already provided on my statement. They said they would look into and respond. I received correspondence from my financial institution dated XX/XX/XXXX wherein they refused to reimburse my account for the {$43.00} and stating that if I had any further information or documentation to send it to them and they would review. \n\nBased on that letter, I contacted the company - XXXX - and they could not tell me much either since a debit card was used to make the purchase vs. a credit card. However, what I did discover was that the charge was made in person, at a XXXX  store located at XXXX XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX. \n\nOn XX/XX/XXXX, I sent a letter to my financial institution ( via fax to their main bank as per their correspondence ) that stated as follows : \" I am in receipt of your correspondence dated XX/XX/XXXX ( copy attached ), regarding the recent transaction charged to XXXX XXXX, XXXX business checking account ending in XXXX in the amount of {$43.00} made to XXXX XXXX XXXX XXXX as per the line item in my online banking account. \n\nIn response to that correspondence and in further support of my claim, I would show the following : ( 1 ) This charge was purportedly made with a debit card ending in XXXX. I do not now, nor have I ever been in possession of said debit card. \n( 2 ) Further to this, to receive XXXX-specific discounts, I always use my XXXX credit card ending in XXXX to make all purchases at XXXX. To support this, attached is a XXXX of all of my activity at XXXX since XXXX of XXXX. \n( 3 ) The debit card in question ending in XXXX is not now nor has ever been associated with my target account as confirmed in the e-chat I had with a XXXX agent on XX/XX/XXXX ( see transcript attached, emphasis added ). \n( 4 ) According to the same e-chat I had with a Target agent on XX/XX/XXXX, this charge was made at the XXXX  store located at XXXX XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX ( see transcript attached, emphasis added ). I was not in XXXX XXXX, Minnesota on the date the charge was made, nor have I ever been to XXXX XXXX, Minnesota ( nor any other part of Minnesota ) in my entire life. In furtherance of this, I am employed by the XXXX XXXX XXXX in XXXX, XXXX  and was working on the day in question ( see timecard attached ). \n\nRegarding the debit card ending in XXXX ( if such a card exists ), please cancel it immediately so as not to be used by anyone attempting to commit additional fraud. In addition, please cancel the debit card associated with my personal account ending in XXXX  and associated with my personal checking account ending in XXXX, effectively immediately ( I have surrendered the debit card associated with my personal account to a representative at the Regions branch located on XXXX XXXX, XXXX, XXXX of even date herewith ). '' Finally, I asked my financial institution to refund the {$43.00} to my business account and advised that if they did not, I would contact the Consumer Financial Protection Bureau. As of the date of this official complaint, I have not heard anything from the bank regarding this matter.","date_sent_to_company":"2024-09-08T16:33:02.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"36830","tags":null,"has_narrative":true,"complaint_id":"10058318","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2024-09-08T16:05:00.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I noted an <em>unauthorized</em> charge on my business <em>account</em> while reconciling my business <em>checking</em> <em>account</em> in <em>XXXX</em>, <em>XXXX</em>. An <em>unauthorized</em> charge in the <em>amount</em> of {$43.00} payable to \" <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> '' ( said charge being made with a <em>debit</em> card ) appeared on my online banking statement. I phoned my financial institution to get the details but they could not tell me much - other than what was already provided on my statement. They said they would look into and respond."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[22.465221,"10058318"]},{"_index":"complaint-public-v1","_id":"20322038","_score":22.461308,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint to request the CFPBs assistance and oversight regarding repeated unauthorized transactions and Capital Ones handling of my accounts and disputes. \n\nIn XXXX, Capital One closed my account ending in XXXX without providing proper notice. Prior to the closure, I had contacted the bank multiple times regarding unauthorized transactions. Even though I raised concerns about suspicious activity, my claims were denied and my account was eventually closed instead of the bank taking steps to protect my funds. \n\nAfter this account was closed, I opened another anccount XXXX checking account with Capital One ending in XXXX. Unfortunately, the same issue has happened again. There have been multiple unauthorized and fraudulent transactions, suggesting that my debit card and possibly my PIN or personal banking information may have been compromised. \n\nI believe there has been a serious breach of my account security, which allowed unauthorized withdrawals to occur. These transactions have resulted in significant financial loss. My direct deposits, ATM deposits, and other funds have been gradually withdrawn without my authorization. \n\nThe total amount involved exceeds {$16000.00}, including a check for {$6600.00} and several other withdrawals and transactions that I did not authorize. \n\nI work very hard to support my family and my daughter, and it is extremely concerning that my accounts have been repeatedly compromised without adequate protection from my bank. When I try to contact Capital One to report these issues, I have not received meaningful assistance or resolution. \n\nBecause of the seriousness of these events, I respectfully request that the CFPB XXXX and review the entire investigation related to my accounts, including : All transactions related to accounts ending in XXXX and XXXX How these unauthorized transactions were approved Whether there was a breach of my personal banking information Why my previous disputes were denied Why my account was closed instead of resolving the fraud I am requesting a full investigation, reimbursement of the unauthorized transactions, and assistance ensuring that my financial information and accounts are properly secured moving forward. \n\nThank you for your attention to this serious matter. \n\nXXXX. {$3700.00} ( Account ending XXXX with a claim # : XXXX XXXX. {$5900.00} ( Account ending XXXX with a claim # : XXXX XXXX. {$7200.00} ( Account ending XXXX with a claim # : XXXX XXXX. {$1600.00} ( Account ending XXXX with a claim # XXXX Total disputed amount {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX checking Account # XXXX ( CLOSED ) by CapitalOne Bank XXXX checking Account # XXXX ( ACTIVE )","date_sent_to_company":"2026-03-17T05:00:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"20322038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-17T04:27:36.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>XXXX</em>. {$3700.00} ( <em>Account</em> <em>ending</em> <em>XXXX</em> with a claim # : <em>XXXX</em> <em>XXXX</em>. {$5900.00} ( <em>Account</em> <em>ending</em> <em>XXXX</em> with a claim # : <em>XXXX</em> <em>XXXX</em>. {$7200.00} ( <em>Account</em> <em>ending</em> <em>XXXX</em> with a claim # : <em>XXXX</em> <em>XXXX</em>. {$1600.00} ( <em>Account</em> <em>ending</em> <em>XXXX</em> with a claim # <em>XXXX</em> Total disputed <em>amount</em> {$18000.00} XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>checking</em> <em>Account</em> # <em>XXXX</em> ( CLOSED ) by CapitalOne Bank <em>XXXX</em> <em>checking</em> <em>Account</em> # <em>XXXX</em> ( ACTIVE )"],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[22.461308,"20322038"]},{"_index":"complaint-public-v1","_id":"11205867","_score":22.214298,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to report an unauthorized transaction that was processed using my debit card details. On XX/XX/year>, a purchase was made at XXXX XXXX XXXX without my knowledge or consent. The transaction amount was {$160.00}, and it was charged to my debit card ending in XXXX. I have not visited or made any purchases from XXXX XXXX XXXX, and I did not authorize this transaction. I discovered this unauthorized charge mere moments after it was processed, as a result of a notification that I received from the issuing bank associated with my debit card and checking account that listed the details of the transaction. I immediately contacted my bank to report the fraudulent activity and have taken steps to secure my account. I request that this incident be investigated and that appropriate action be taken to address this unauthorized transaction. The bank has now denied my dispute case on XXXX different occasions, however, the only documents that they are using to support this decision are the intake questionnaire document and the police report documentation that they requested I file. No documentation from the merchant has been provided by the bank.","date_sent_to_company":"2024-12-18T16:51:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"43207","tags":null,"has_narrative":true,"complaint_id":"11205867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-12-18T16:16:32.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am writing to report an <em>unauthorized</em> transaction that was processed using my <em>debit</em> card details. On XX/XX/year>, a purchase was made at <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> without my knowledge or consent. The transaction <em>amount</em> was {$160.00}, and it was charged to my <em>debit</em> card <em>ending</em> in <em>XXXX</em>. I have not visited or made any purchases from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, and I did not authorize this transaction."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Problem using a <em>debit</em> or ATM card"]},"sort":[22.214298,"11205867"]},{"_index":"complaint-public-v1","_id":"1485245","_score":22.127245,"_source":{"product":"Student loan","complaint_what_happened":"Navient has taken unauthorized debits from my checking account XXXX during the month of XXXX, 2015. They took unauthorized debits once on or about XXXX XXXX, 2015 for {$110.00}, and most recently on XXXX XXXX, 2015 for {$390.00}. \nOn or about XXXX XXXX, 2015, I discovered that Navient had automatically debited my XXXX checking account for {$110.00} for the student loan ending in XXXX. I had not authorized this transaction or set it up. My father makes an automatic payment for the loan ending in XXXX, and had given Navient HIS account information for the automatic payment. I had set up automatic payments for about {$390.00} for the rest of my private loans, and my payment was not scheduled to come out until XXXX XXXX. I called Navient to demand that my {$110.00} be credited back to my XXXX account, and that they take the payment from my father 's account instead. \nNavient incorrectly stated that I had enrolled all of my loans into auto-payment on XXXX XXXX in the amount of {$500.00}, and that they only had my XXXX information for the payments. That was false. I had only set up the {$390.00} payment recently, and my father set up the {$110.00} payment with his bank information. Ultimately, Navient agreed to do a direct refund to my XXXX checking account for the {$110.00}. They also agreed to cancel all auto-payments. My father was supposed to call back and set up his auto-payment for {$110.00} at a later date in XXXX, and I was going to call back and set up my auto-payment for the {$390.00} at a later date in XXXX. I was supposed to have my refund of {$110.00} by XXXX XXXX at the latest. \nMy father called Navient back between XXXX XXXX and XXXX XXXX to re-establish his auto-payment for {$110.00}. His next payment is due XXXX XXXX, 2015. I had not called back to re-establish my auto-payment for {$390.00} as of XXXX XXXX, 2015. \nOn XXXX XXXX, 2015, I logged into my XXXX checking account again to check my balance. I was alarmed to see that Navient had again taken an unauthorized automatic payment from my checking account! I had not called back to re-establish my auto-payment, but Navient had debited {$390.00} from my checking account. It was taken in XXXX unauthorized transactions ( {$120.00} ; {$100.00} ; {$71.00} ; {$93.00} ). This is especially egregious that Navient took these unauthorized payments despite agreeing on XXXX XXXX, 2015 that it would cancel all auto-payments and to wait until we called back to re-establish them. \nI am going to call Navient now to demand a direct refund. My funds are rather limited at this time, and I am unable to allow Navient to invade my checking account and debit funds at will without my authorization.","date_sent_to_company":"2015-07-24T15:53:16.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"223XX","tags":null,"has_narrative":true,"complaint_id":"1485245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2015-07-24T15:53:16.000Z","state":"VA","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["Navient has taken <em>unauthorized</em> <em>debits</em> from my <em>checking</em> <em>account</em> <em>XXXX</em> during the month of <em>XXXX</em>, 2015. They took <em>unauthorized</em> <em>debits</em> once on or about <em>XXXX</em> <em>XXXX</em>, 2015 for {$110.00}, and most recently on <em>XXXX</em> <em>XXXX</em>, 2015 for {$390.00}. \nOn or about <em>XXXX</em> <em>XXXX</em>, 2015, I discovered that Navient had automatically <em>debited</em> my <em>XXXX</em> <em>checking</em> <em>account</em> for {$110.00} for the student loan <em>ending</em> in <em>XXXX</em>. I had not authorized this transaction or set it up."]},"sort":[22.127245,"1485245"]},{"_index":"complaint-public-v1","_id":"1984057","_score":22.097746,"_source":{"product":"Bank account or service","complaint_what_happened":"Since reporting an issue with my checking account ending in XXXX to chase, about which XXXX unauthorized debit and XXXX unexpected ( and new ) {$20.00} chase fee, sent my account into a cascading negative state, fees and penalties have continued to mount ... .in amounts that I ca n't realistically pay, even in it were fair. \n\nHow can chase justify roughly XXXX dollars in overdraft fees that have mounted ( and were contributed to by the fees themselves ) that all were started from XXXX unauthorized debit ... .. after which a handful of new debits came through, were not paid and were then accessed fees. It 's is unfair and outrageous considering I notified chase of the errors and my intention to try and stop the bleeding and chase simply rolled out the excuse \" you 've had reversals in the past so we ca n't help you. '' It should be illegal what has happened here.","date_sent_to_company":"2016-06-25T16:37:00.000Z","issue":"Problems caused by my funds being low","sub_product":"Checking account","zip_code":"60610","tags":null,"has_narrative":true,"complaint_id":"1984057","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-06-25T16:37:00.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Since reporting an issue with my <em>checking</em> <em>account</em> <em>ending</em> in <em>XXXX</em> to chase, about which <em>XXXX</em> <em>unauthorized</em> <em>debit</em> and <em>XXXX</em> unexpected ( and new ) {$20.00} chase fee, sent my <em>account</em> into a cascading negative state, fees and penalties have continued to mount ... .in <em>amounts</em> that I ca n't realistically pay, even in it were fair."],"product":["Bank <em>account</em> or service"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[22.097746,"1984057"]},{"_index":"complaint-public-v1","_id":"6242537","_score":21.964539,"_source":{"product":"Checking or savings account","complaint_what_happened":"To : a Sir/Ma'am Please Acknowledge my request for assistance and thank you, ahead! \n\nI would like to mention, outside of what had taken place between these two banks, in the recent months, I have been receiving erroroneuos XXXX emails for random bank account statements and bills to accounts, which I did not XXXX anzyone permissions authorizing to have been opened-up ever. \n\nM and T bank, has allowed an unauthorized checkings account to be opened in my name. \n\n\nGranted for Authorized checkings account number : ending # XXXX NOT- Granted / Un-Authorized checkings account number : ending # XXXX Meaning, there should have been only one single checkings account ending with XXXX, and with one single savings account ending with XXXX. \n\n\nM and T bank, allowed my money to be transferred out my checkings account numbered : ending in XXXX, which was then moved into the unauthorized account numbered : ending in XXXX. \n\n\nM and T bank, on XX/XX/XXXX filed a dispute to XXXXXXXX XXXX  for only some of the missing funds in the total dollar amount of {$110000.00}. \n\nAll the transactions were grouped together all into 3 seperate primary dispute case ID, done by M & T bank. \n\nXXXX - used for account ending in XXXX with the amount of {$100000.00} XXXX - used for account ending in XXXX with the amount of {$16000.00} XXXX - used for account for account ending in XXXX with the amount of {$19000.00} However, the true total in missing funds dollar amount actually is equal to {$130000.00}, which is from the bank statements for the transfers made out of account numbered ending in XXXX, directed to ending in XXXX. \n\n( The only Authorized M & T bank Checkings Account ). \n\n\nBy, the date of XX/XX/XXXX XXXX XXXX, honored M & T banks filed dispute claims, and reversed all of the unauthorized transactions, that were previously disputed, only. \n\nI spoke with XXXX XXXX, who made an apology to me stating, that their were three unauthorized accounts ( TWO ONLINE CHECKINGS ACCOUNTS WITH ONE SAVINGS ACCOUNT ), which all had been opened online in my name, and also mentioned that all funds were already, reversed by the date of XX/XX/XXXX. \n\n\nM and T bank, had POSTED to my replacement checking account numbered of ending in XXXX, some of the disputed reversed amounts by the date of XX/XX/XXXX, and placed an account restriction hold on my account just right, after, along with a stop payment on a deposited M & T bank official check which they never returned, also taking my money in that incident, but as well. \n\nM and T bank, has since mailed me out two letters, on multiple occasions, stating the following in the below, but with each letter only indicating separate and different claims numbers, and also different reversed credit amounts. Both letters read as in the below : Letter # 1 dated XX/XX/XXXX | Claim # XXXX | Account Number ending in : XXXX | Credited Amount : {$16000.00} Letter # 2 dated XX/XX/XXXX | Claim # XXXX | Account Number ending in : XXXX | Credited Amount : {$100000.00} Dear XXXX XXXX XXXX, Thank you for your recent inquiry concerning the transactions referenced in this letter. We apologize for any inconvenience this issue may have caused you and thank you for your patience while we research your claim. \n\nOur research has concluded that the transaction was unauthorized or processed incorrectly. Your account was credited {$100000.00} on XX/XX/XXXX for the disputed transaction ( s ), along with any associated fees. \n\nIf this is an interest bearing account, the interest will be recalculated once the debit transaction is reversed and if necessary, any additional interest will be credited to your account. \n\nIf you have any questions, please call the M & T XXXX XXXX team at XXXX ( Monday - Friday XXXX to XXXX, Eastern Time ) and will be happy to help Thank you for banking with M & T . \n\nTRANSACTION ( S ) HONORED Trans Date | Trans Description | Trans Amount LETTER # 2 - Amounts XX/XX/XXXX | XXXX XXXX $ transfer | {$7200.00} XX/XX/XXXX. | XXXX XXXX  $ transfer | {$6600.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6800.00} XX/XX/XXXX. | XXXX BANK $ transfer | {$4600.00} XX/XX/XXXX. | XXXX BANK $ transfer | {$3800.00} XX/XX/XXXX. | XXXX BANK $ transfer | {$6000.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6400.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6400.00} XX/XX/XXXX. | XXXX XXXX  $ transfer | {$9200.00} XX/XX/XXXX. | XXXX XXXX  $ transfer | {$7000.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6000.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$9800.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$8800.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$6800.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$7500.00} LETTER # 1- Amounts XX/XX/XXXX | XXXX XXXX $ transfer | {$3800.00} XX/XX/XXXX. | XXXX XXXX  $ transfer | {$3800.00} XX/XX/XXXX. | XXXX XXXX $ transfer | {$4500.00} XX/XX/XXXX. | XXXX XXXX  $ transfer | {$4500.00} XX/XX/XXXX. | OVERDRAFT FEE. | -PR {$15.00} M and T bank, up-held the hold against my account exactly, when the transactions were reversed back to for an honored credit, and continued the hold without end, until they recently zero balanced my account, and closed all accounts, and exited our banking relationship, occurring the date of XX/XX/XXXX. \n\n\nMy trust has been broken by M & T bank, but I really feel victimized, be-littled, abused, taken advantage, violated of my legal justice of rights, tortured, disgusted, ripped-off, confused, devastated, robbed, mistreated, insulted, and lastly be-wildered. \n\nM & T bank has yet, to refund me of my money removed from my account numbered ending in XXXX. \n\nEven though, M and T bank, stated the money would be returned, mentioned an M & T bank endorsed letterheaded of writing and also in-person verbally. As of now, I'm beginning to believe they are not ever going to return my money back to me, why? \n\nM & T bank needs to be held accountable of there word, and my money needs to be returned back to me, immediately. \n\nI filed, numerous complaints to M & T bank throughout the investigation processes, making requests for an acknowledgement to have the legal hold removed or lifted from my funds which were in the account, but never received any resolve on the issue. \n\n\n\nDispute Claim XXXX XXXX XXXX, was assigned to all the cases. \nHer telephone numbers : ( XXXX ) XXXX - XXXX. \n\n\n____________________________ THE FINAL BANK STATEMENT FOR ACCOUNT # ending in XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DATE. | DESCRIPTION | DEBIT/ CREDIT | BALANCE XX/XX/XXXX - credited {$35.00} | Reverse Stop Payment Fee XX/XX/XXXX - debited - {$100000.00} | Adjustment Services Case # XXXX XX/XX/XXXX - debited - {$35.00} | Stop Payment Fee Mailing Address and Contact info : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2022-11-26T12:39:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20748","tags":null,"has_narrative":true,"complaint_id":"6242537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2022-11-26T12:18:52.000Z","state":"MD","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Granted for Authorized <em>checkings</em> <em>account</em> number : <em>ending</em> # <em>XXXX</em> NOT- Granted / <em>Un-Authorized</em> <em>checkings</em> <em>account</em> number : <em>ending</em> # <em>XXXX</em> Meaning, there should have been only one single <em>checkings</em> <em>account</em> <em>ending</em> with <em>XXXX</em>, and with one single savings <em>account</em> <em>ending</em> with <em>XXXX</em>. \n\n\nM and T bank, allowed my money to be transferred out my <em>checkings</em> <em>account</em> numbered : <em>ending</em> in <em>XXXX</em>, which was then moved into the <em>unauthorized</em> <em>account</em> numbered : <em>ending</em> in <em>XXXX</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[21.964539,"6242537"]},{"_index":"complaint-public-v1","_id":"3370841","_score":21.869564,"_source":{"product":"Checking or savings account","complaint_what_happened":"There were 2 unauthorized charges that were taken from my TD Bank checking account ending in XXXX. On XX/XX/2018, there was a {$1000.00} debit from \" XXXX XXXX XXXX   XXXX XXXX ''. On XX/XX/2018, there was a {$120.00} debit from \" XXXX XXXX XXXX XXXX ''. I reported this fraudulent / unauthorized debit promptly to the branch manager who said he would take care of this and get it credited. I filed a dispute online a few times through the bank 's website. I went to the branch when told I had to and filled out paperwork. I was told then that both charges would be credited back to my account. However, the money has not been refunded. I have been in touch with TD Bank about this for well over a year now. Their latest strategy has been to simply ignore my emails. There was fraud on the account, and those amounts should be credited to me. If their own employees do not properly file the fraud or inform me of the procedures to follow, that should not be held against me.","date_sent_to_company":"2019-09-11T18:01:46.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"189XX","tags":null,"has_narrative":true,"complaint_id":"3370841","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2019-09-11T17:51:03.000Z","state":"PA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["There were 2 <em>unauthorized</em> charges that were taken from my TD Bank <em>checking</em> <em>account</em> <em>ending</em> in <em>XXXX</em>. On <em>XX/XX</em>/2018, there was a {$1000.00} <em>debit</em> from \" <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>   <em>XXXX</em> <em>XXXX</em> ''. On <em>XX/XX</em>/2018, there was a {$120.00} <em>debit</em> from \" <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ''. I reported this fraudulent / <em>unauthorized</em> <em>debit</em> promptly to the branch manager who said he would take care of this and get it credited. I filed a dispute online a few times through the bank 's website."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[21.869564,"3370841"]},{"_index":"complaint-public-v1","_id":"19782603","_score":21.829536,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX Wells Fargo Bank authorized XXXX paid to XXXX XXXX. \nThis amount shows it was debited from debit card ending in XXXX indicated on bank attachment included in this complaint.\n\nI spoke with a WF online banker who informed me that this charge was made by a 3rd party. The Debit card XXXX was supposedly cancelled on XX/XX/XXXX by WF bank. \n\nXX/XX/XXXX- WF Provisional credit applied XXXX and XXXX XX/XX/XXXX - WF Provisional Credit for XXXX and XXXX was reversed back to my account. \n\nI have spoken to several WF claims representatives and explained to them that this charge was unauthorized. \nThey told me that since I am a frequent flier with XXXX XXXX and my bank history shows several transactions with XXXX XXXX they are refusing to remove the charges from my Business account. \n\nI spoke to XXXX XXXX customer service and was told to check my e mails for any flight confirmations from them on XX/XX/XXXX. \nThere are no flight confirmations in my e mail for XX/XX/XXXX. All XXXX e mails are included in this complaint. \n\nAlthough there is evidence showing that this charge is unauthorized Wells Fargo Bank is refusing to reverse the charges back to my Business Checking Account.","date_sent_to_company":"2026-02-25T19:16:07.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"89031","tags":"Older American","has_narrative":true,"complaint_id":"19782603","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-02-25T18:14:58.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em> Wells Fargo Bank authorized <em>XXXX</em> paid to <em>XXXX</em> <em>XXXX</em>. \nThis <em>amount</em> shows it was <em>debited</em> from <em>debit</em> card <em>ending</em> in <em>XXXX</em> indicated on bank attachment included in this complaint.\n\nI spoke with a WF online banker who informed me that this charge was made by a 3rd party. The <em>Debit</em> card <em>XXXX</em> was supposedly cancelled on XX/XX/<em>XXXX</em> by WF bank. \n\nXX/XX/<em>XXXX</em>- WF Provisional credit applied <em>XXXX</em> and <em>XXXX</em> XX/XX/<em>XXXX</em> - WF Provisional Credit for <em>XXXX</em> and <em>XXXX</em> was reversed back to my <em>account</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[21.829536,"19782603"]},{"_index":"complaint-public-v1","_id":"10778996","_score":21.720459,"_source":{"product":"Checking or savings account","complaint_what_happened":"Business Advantage Unlimited Cash Rewards opened on behalf of XXXX XXXX XXXX. \n\nOn {$4100.00} on XX/XX/XXXX was made bringing the account to a {$0.00} balance. \n\nToday on XX/XX/year>, {$41.00} was taken out of my XXXX checking account ending in XXXX. This amount was not authorized. XXXX was XXXX. The account had a {$0.00} balance and yet Bank of America debited {$41.00}. \n\nI called BofA today on XX/XX/year> at XXXX. I spoke with XXXX a supervisor in XXXX, XXXX. \n\nShe was friendly however, did not have an explanation of why the account was debited this amount and promised that the {$41.00} would be returned within XXXX hours. She also confirmed that this payment was cancelled and had I not called today she is not sure what would have happened. \n\nI also asked for some sort of compensation for the waste of XXXX minutes of my life because of Bank of Americas fault.\n\nIt is truly terrifying to have a financial institution especially as large as BofA having access to my checking account and taking out funds that are completely unauthorized thus giving themselves effectively an interest free loan on my money without my permission.","date_sent_to_company":"2024-11-14T03:35:23.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"66047","tags":null,"has_narrative":true,"complaint_id":"10778996","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-11-14T03:23:42.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Business Advantage Unlimited Cash Rewards opened on behalf of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. \n\nOn {$4100.00} on XX/XX/<em>XXXX</em> was made bringing the <em>account</em> to a {$0.00} balance. \n\nToday on XX/XX/year>, {$41.00} was taken out of my <em>XXXX</em> <em>checking</em> <em>account</em> <em>ending</em> in <em>XXXX</em>. This <em>amount</em> was not authorized. <em>XXXX</em> was <em>XXXX</em>. The <em>account</em> had a {$0.00} balance and yet Bank of America <em>debited</em> {$41.00}. \n\nI called BofA today on XX/XX/year> at <em>XXXX</em>. I spoke with <em>XXXX</em> a supervisor in <em>XXXX</em>, <em>XXXX</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"]},"sort":[21.720459,"10778996"]},{"_index":"complaint-public-v1","_id":"19924517","_score":21.621725,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Formal Complaint Unresolved Unauthorized Debit Transactions Account Ending : XXXX Claim Number : XXXX Dear Claims Department, I am writing to formally dispute the resolution of my fraud claim referenced above concerning unauthorized debit transactions on my checking account ending in XXXX. \n\nOn XX/XX/year>, while at work, I received an SMS alert from Wells Fargo asking whether I authorized a declined debit transaction on my account. I immediately responded NO to indicate that I did not authorize the transaction. I then logged into my online banking account and discovered XXXX separate unauthorized debit transactions in the amounts of {$1700.00} and {$1600.00}. \n\nI promptly contacted Wells Fargo to report the fraudulent activity and formally disputed the transactions. After your initial review, I was issued a temporary credit while the investigation was ongoing. However, several weeks later, I received correspondence stating that my claim was denied and that the temporary credit would be reversed. \n\nI strongly disagree with this decision. I did not authorize, initiate, participate in, or benefit from these transactions in any way. I took immediate action upon receiving the alert, which demonstrates my diligence and good faith. \n\nI respectfully request the following : XXXX. A detailed written explanation of the evidence used to deny my claim. \nXXXX. Copies of any documentation, transaction records, IP logs, signature verification, or other proof relied upon in your investigation. \nXXXX. A reconsideration and reopening of this claim based on the facts presented. \n\nI have been a responsible account holder and expect a fair and thorough review of this matter in accordance with federal banking regulations governing unauthorized electronic fund transfers. \n\nPlease treat this as a formal appeal of the claim decision. I look forward to your prompt response and resolution of this matter.","date_sent_to_company":"2026-03-03T12:39:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07103","tags":null,"has_narrative":true,"complaint_id":"19924517","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-03T12:05:34.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Subject : Formal Complaint Unresolved <em>Unauthorized</em> <em>Debit</em> Transactions <em>Account</em> <em>Ending</em> : <em>XXXX</em> Claim Number : <em>XXXX</em> Dear Claims Department, I am writing to formally dispute the resolution of my fraud claim referenced above concerning <em>unauthorized</em> <em>debit</em> transactions on my <em>checking</em> <em>account</em> <em>ending</em> in <em>XXXX</em>. \n\nOn XX/XX/year>, while at work, I received an SMS alert from Wells Fargo asking whether I authorized a declined <em>debit</em> transaction on my <em>account</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Problem using a <em>debit</em> or ATM card"]},"sort":[21.621725,"19924517"]},{"_index":"complaint-public-v1","_id":"3643214","_score":21.31229,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I noticed unauthorized activity on my chase checking account ending in XXXX, via debit card ending in XXXX. Below are the fraudulent charges and status of each. \n\nXXXXPOS DEBIT XXXX XXXX XXXX XXXX AL XXXX ( chase credited account still under review by chase ) XXXXPOS DEBIT XXXX XXXX  XXXX XXXX TX XXXX ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- XXXX. Chase stated this was delivered to my billing address, upon checking the tracking number this is not my billing location nor a location that I know anyone. Chase refuses to intervene further ) XXXXPOS DEBIT XXXX XXXX  XXXX GA XXXX ( chase credited account still under review by chase ) XX/XX/XXXX POS DEBIT XXXX XXXX XXXX  XXXX XXXX CA XXXX ( chase credited account, but company reimbursed amount after investigation closed ) XX/XX/XXXX POS DEBIT XXXX XXXX  XXXX WA XXXX XXXX ( 4 charges ) ( chase credited account still under review by chase ) I wanted to provide all information as most are still under review, but the one that needs immediate action is 04/12/2020-POS DEBIT XXXX XXXX  XXXX XXXX TX XXXX ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- XXXX. Chase stated this was delivered to my billing address, upon checking the tracking number this is not my billing location nor a location that I know anyone. Chase refuses to intervene further ). \n\nI have taken steps to secure my identity included changing passwords, ordering a new debit card etc. It is clear that fraudulent can likely be traced back to perpetrator who used my information on their XXXX account, this should help bolster my claim but instead I was accused of 1st part fraud with no resolution. Furthermore my account has never been compromised, its certainly not new and I have never had an issue prior. Its a bad first impression using their fraud services.","date_sent_to_company":"2020-05-08T19:38:30.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75020","tags":"Servicemember","has_narrative":true,"complaint_id":"3643214","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-05-08T19:20:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em> I noticed <em>unauthorized</em> activity on my chase <em>checking</em> <em>account</em> <em>ending</em> in <em>XXXX</em>, via <em>debit</em> card <em>ending</em> in <em>XXXX</em>. Below are the fraudulent charges and status of each. \n\nXXXXPOS <em>DEBIT</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> AL <em>XXXX</em> ( chase credited <em>account</em> still under review by chase ) XXXXPOS <em>DEBIT</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> TX <em>XXXX</em> ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- <em>XXXX</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Problem using a <em>debit</em> or ATM card"]},"sort":[21.31229,"3643214"]},{"_index":"complaint-public-v1","_id":"7892580","_score":21.300816,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello US Bank, i filed a fraud claim on XX/XX/XXXX for MULTIPLE ATM Transactions on my debit card ending in XXXX. EVERY ATM WITHDRAWAL IN MY CHECKING ACCOUNT IS UNAUTHORIZED. \n\nTotal Transactions : XXXX. \n\nThe total amount stolen out of my account via ATM Fraud was over {$2800.00}. I have my new card number and stuff already coming to me in the mail.\n\nIm not sure if every atm transaction was included in my fraud claim because i only received {$1600.00} back in Provisional Credit, i still havent gotten all my money returned to me and im not sure whats going on","date_sent_to_company":"2023-11-22T21:37:18.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"52804","tags":null,"has_narrative":true,"complaint_id":"7892580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-11-22T21:29:24.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Hello US Bank, i filed a fraud claim on XX/XX/<em>XXXX</em> for MULTIPLE ATM Transactions on my <em>debit</em> card <em>ending</em> in <em>XXXX</em>. EVERY ATM WITHDRAWAL IN MY <em>CHECKING</em> <em>ACCOUNT</em> IS <em>UNAUTHORIZED</em>. \n\nTotal Transactions : <em>XXXX</em>. \n\nThe total <em>amount</em> stolen out of my <em>account</em> via ATM Fraud was over {$2800.00}. I have my new card number and stuff already coming to me in the mail."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Problem using a <em>debit</em> or ATM card"]},"sort":[21.300816,"7892580"]},{"_index":"complaint-public-v1","_id":"13592831","_score":21.267862,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I formally revoked ACH authorization for Dave Inc. to withdraw funds from my checking account ending in XXXX. Despite this, Dave continued to debit my account multiple times between XXXX XXXX XXXX totaling over {$140.00}. The charges include transactions of {$70.00}, {$45.00}, {$15.00}, {$10.00}, and {$5.00}. \n\nI contacted my bank and requested a stop payment, but Dave Inc. bypassed it by varying transaction amounts and merchant codes. I also messaged Dave Support directly, clearly revoking authorization and requesting no further withdrawals. I did not reauthorize any of the charges. \n\nThese are unauthorized debits and violate the Electronic Funds Transfer Act ( EFTA ), which gives consumers the right to revoke recurring payment permissions. I am requesting a full refund of the withdrawn funds and enforcement of the revoked authorization.","date_sent_to_company":"2025-05-19T21:55:23.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"180XX","tags":null,"has_narrative":true,"complaint_id":"13592831","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Dave Operating, LLC","date_received":"2025-05-19T21:38:02.000Z","state":"PA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I formally revoked ACH authorization for Dave Inc. to withdraw funds from my <em>checking</em> <em>account</em> <em>ending</em> in <em>XXXX</em>. Despite this, Dave continued to <em>debit</em> my <em>account</em> multiple times between <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> totaling over {$140.00}. The charges include transactions of {$70.00}, {$45.00}, {$15.00}, {$10.00}, and {$5.00}. \n\nI contacted my bank and requested a stop payment, but Dave Inc. bypassed it by varying transaction <em>amounts</em> and merchant codes."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[21.267862,"13592831"]},{"_index":"complaint-public-v1","_id":"5862590","_score":21.198227,"_source":{"product":"Checking or savings account","complaint_what_happened":"Account : SAVINGS CHASE PLUS LAST XXXX DIGIT # XXXX Account : CHECKING CHASE XXXX LAST XXXX DIGIT XXXX Claim # IN CHASE : XXXX Require identity restoration and reimbursement of funds withdrawn in fraud Greetings, I am XXXX XXXX XXXX, and I have been a victim of fraud against my Chase bank accounts identified above. \nI need recover my Identity and my regular access to my accounts and the total amount of {$90000.00} as a result of a series of frauds committed and facilitated by Chase bank against those banking accounts. \n\nI need the restitution of my rights as legitimate and exclusive owner ( account holder ) of the banking products that are going to be identified below. \n\nThe amounts subtracted from my bank accounts, by means of fraudulent methods, originated from the alleged telephone call of someone who, usurping my identity, used bank operator XXXX XXXX, on XX/XX/XXXX, who without confirming properly my identity and without verified the telephone number registered by me, proceeded to create a personal telephone key or password for the identity thief, after which, explained in detail below, same telephone operator authorized the replacement of the debit card in use that ends in XXXX previously granted for me by Chase, limiting my access and management of my personal accounts, with the previously indicated consequences. ( cfr evidence via email received the same day at XXXX p.m. ). \n\nIn effect, once the impersonation of my identity was attempted through fraud, on XX/XX/XXXX, Chase proceeded to pay the following unauthorized banking operations : I. Counterfeit check cashed from my savings account ending in XXXX, in the amount of {$57000.00}. \n\nXXXX. Fraudulent ACH withdrawal in the amount of {$32000.00} from the savings account ending in XXXX, and, XXXX. Fraudulent ACH withdrawal in the amount of {$110.00} from the savings account ending in XXXX. \n\nIn addition to the theft of the aforementioned amounts of money, the Chase telephone operator canceled my debit card in possession that ends in XXXX, ordering its replacement with another that ends in XXXX, which never arrived at the address registered for me with the Bank. \n\nAs a result of this, after admitting my impersonation as valid, Chase has blocked my access to the accounts of which I the legitimate owner, granting personal telephone credentials to the usurper that I have prevented from maintaining my rights to manage and control of my funds in money deposited and entrusted to Chase. \n\nTherefore, with the purpose of this claim, I propose this claim on the facts and evidence that are listed and attached below : a. My Identity and banking relationship with CHASE, XXXX XXXX XXXX XXXX, with XXXX passport No. XXXX, a the holder of the following bank accounts, card, and checkbook before CHASE : 1. Chase Plus Savings Account ( Savings Account ) last XXXX digits : XXXX XXXX. Chase Sapphire Checking Account ( \" Checking Account '' ) last XXXX digits : XXXX XXXX. Chase debit card, last XXXX digits : XXXX, with an expiration date of XX/XX/XXXX. \n\nXXXX. Active checkbook against account, last XXXX digits : XXXX, with consecutive numbers from XXXX to XXXX, for a total of XXXX checks. \n\nThe personal email : XXXX. \n\nb. Detailed list of the facts before, during and after the activities carried out in fraud against me. \n\nIn a thread about that initial message ( via XXXX ), there was an exchange of communications between Chase and me, through which the bank replied that they could not stop the process of issuing a new replacement debit card and they asked him to contact the institution by telephone. \n\nGiven the lack of communication from Chase, I sent another written communication via XXXX, requesting the opening of an investigation into the fraud of which I has been a victim, through the operator identified as XXXX XXXX, informing Chase that at no time prior to the claim, did I have a telephone conversation to make changes to my account ending in XXXX. \n\nThe bank, despite having been alerted via XXXX of the ongoing fraud, without prior confirmation from me, as the legitimate owner of the bank accounts, executed the delivery of the amounts of money stolen from their accounts. \n\nThe delivery of the card ending in XXXX that was issued as a replacement for the one in my possession ending in XXXX, never reached his registered mailing address. \n\nChase assigned by telephone to a third party unrelated to the ownership of the bank accounts that end in XXXX and XXXX, a password for telephone operations that I never requested, and with this, it has allowed, in a manifest inexcusable error, the impersonation of my identity for the control and management of his bank accounts with Chase, facilitating the perpetration of fraud against me. \n\nDue to the previously described fraudulent actions, the person who, usurping my identity, received the verbal password proceeded to carry out the following withdrawal operations not recognized for me o as the owner of the bank accounts, to also steal money fraudulently from the bank account, as listed below : First : Forged check with XXXX. XXXX and illegible signature that does not correspond with my signature registered in Chase ( and that also does not correspond to the current numbering of my active checkbook as legitimate account holder ) cashed on the XXXX of XXXX, identifying as beneficiary : XXXX XXXX for the amount of XXXX {$950.00}, charged to the checking account ending in XXXX. Of all the withdrawals executed in fraud on my accounts, this amount of money, after several claims presented by me through XXXX was reversed by the bank on XX/XX/XXXX. \n\nSecond : Forged check with XXXX. XXXX and illegible signature that does not correspond with my signature on file with Chase ( and which is also not only incompatible with my current active checkbook as the legitimate owner of the Chase bank accounts, but also, in addition, it was charged against my savings account ), with XXXX XXXX as the common beneficiary of the fraud, but this time, for the amount of XXXX {$57000.00}, and collected on XX/XX/XXXX. \n\nThird : Fraudulent debit via XXXX for the amount of {$32000.00}, identifying himself as the beneficiary of the transfer of funds from the my account to : XXXXXXXX XXXX XXXX XXXX, for the apparent concept of purchase via the web under the following description : Description Entry : Sale Sec : Web IND ID : XXXX ID : XXXX, from the Savings Account that ends in XXXX. \n\nFourth : Fraudulent debit via XXXX for the amount of {$110.00}, identifying himself as the beneficiary of the transfer of funds from the my account to : XXXX XXXX, corresponding to the following description : XXXX Entry : Payment Sec : Tel IND ID : XXXX ORIG ID : XXXX, from the Savings Account ending in XXXX. \n\nI not receiving a response from Chase via secure message to resolve the consequences of fraud and identity theft. \n\nOnce the check was about to be paid, I called again to report the fraud and refuse payment of the check, and the Chase telephone operator, presumably referring to the person who impersonated me, told me that the check had been authorized by phone for payment.","date_sent_to_company":"2022-08-10T15:55:59.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"30338","tags":null,"has_narrative":true,"complaint_id":"5862590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-08-10T15:07:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["In effect, once the impersonation of my identity was attempted through fraud, on XX/XX/<em>XXXX</em>, Chase proceeded to pay the following <em>unauthorized</em> banking operations : I. Counterfeit <em>check</em> cashed from my savings <em>account</em> <em>ending</em> in <em>XXXX</em>, in the <em>amount</em> of {$57000.00}. \n\n<em>XXXX</em>. Fraudulent ACH withdrawal in the <em>amount</em> of {$32000.00} from the savings <em>account</em> <em>ending</em> in <em>XXXX</em>, and, <em>XXXX</em>. Fraudulent ACH withdrawal in the <em>amount</em> of {$110.00} from the savings <em>account</em> <em>ending</em> in <em>XXXX</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"],"sub_issue":["Problem using a <em>debit</em> or ATM card"]},"sort":[21.198227,"5862590"]},{"_index":"complaint-public-v1","_id":"21201932","_score":21.164536,"_source":{"product":"Checking or savings account","complaint_what_happened":"Product : Checking Account / Debit Card Issue : Unauthorized transaction / Fraud dispute Company : Wells Fargo Bank , N.A . \n\n\n\nComplaint : I am filing a complaint regarding an unauthorized debit card transaction on my Wells Fargo checking account in the amount of {$800.00}. \n\nThe transaction was not authorized by me. At the time the transaction occurred, the debit card associated with my account had not been activated. I had not set a XXXX, nor had I used the card in any way except for on my digital wallet. Wells Fargo claims that the physical card was inserted on XXXX separate transactions, but I never received the card in the mail. I did not receive a PIN number. \n\nFirst transaction which Wells Fargo did reimburse was for {$350.00} at a restaurant called XXXX XXXX XXXX XXXX in XXXX GA on XX/XX/year> The second transaction which Wells Fargo is denying was for {$800.00} from a merchant which was abbreviated on my bank statement as XXXX XXXX XXXX  in XXXX GA on XX/XX/year>. After my own investigation, I believe the abbreviation stands for XXXX XXXX XXXX XXXX XXXX XXXX. \n\nI have never been to a XXXX XXXX XXXX XXXX  nor have I been to a XXXX XXXX outlet store which is what I am assuming it is base on the evidence I have found. Wells Fargo should have don't the same due diligence. \n\nI reported this transaction promptly to Wells Fargo as fraud. My claim was denied. I then requested escalation, and the matter was reviewed by Wells Fargos Escalated Complaints Office. Despite this review, Wells Fargo has refused to reimburse the unauthorized transaction. \n\nI have since received communication from Wells Fargo indicating delays in their investigation, but no satisfactory resolution has been provided. \n\nThis situation raises serious concerns about how a debit card could be used without activation or authorization. I have not been provided with any evidence demonstrating that the transaction was authorized by me. \n\n-- - # # # Requested Resolution : I am requesting that Wells Fargo : XXXX. Reimburse the full amount of {$800.00} for the unauthorized transaction. \nXXXX. Provide a detailed written explanation of how the transaction was approved without card activation or authorization. \nXXXX. Provide all documentation and evidence used to deny my claim. \nXXXX. Confirm what safeguards are in place to prevent unauthorized use of unactivated debit cards. \n\n-- - # # # Additional Information : Account : Checking account ending in XXXX Transaction amount : {$800.00} Transaction type : Debit card transaction ( unauthorized ) I have acted promptly and in good faith to report this matter and expect Wells Fargo to comply with applicable consumer protection laws regarding unauthorized electronic fund transfers. \n\nI am prepared to pursue further action if necessary.","date_sent_to_company":"2026-04-13T21:23:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30252","tags":null,"has_narrative":true,"complaint_id":"21201932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-13T20:50:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Product : <em>Checking</em> <em>Account</em> / <em>Debit</em> Card Issue : <em>Unauthorized</em> transaction / Fraud dispute Company : Wells Fargo Bank , N.A . \n\n\n\nComplaint : I am filing a complaint regarding an <em>unauthorized</em> <em>debit</em> card transaction on my Wells Fargo <em>checking</em> <em>account</em> in the <em>amount</em> of {$800.00}. \n\nThe transaction was not authorized by me. At the time the transaction occurred, the <em>debit</em> card associated with my <em>account</em> had not been activated."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Problem using a <em>debit</em> or ATM card"]},"sort":[21.164536,"21201932"]},{"_index":"complaint-public-v1","_id":"4240443","_score":20.961874,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is in reference to chase claim number XXXX Fraudulent account with joint tenancy was opened sometimes in XX/XX/2021. Unauthorized transfers from Chase checking account, ending in XXXX were made between XX/XX/2021 to XX/XX/2021, in the total amount of {$140000.00}, to an account opened by fraudsters. Chase bank refused to assist in recover the stolen funds, after police report/identity theft complaints are received, along with the written documents of unauthorized ACH debits are received. Furthermore, Chase bank citing the claim was filed late, even though it's filed on XX/XX/2021, within 60days from the fraudulent transfers, with the most recent transactions in XXXX and XXXX of 2021. As I have no way of accessing the account with the originator, since I'm not listed as account owner or signer, I was advice I have to contact the merchant directly.","date_sent_to_company":"2021-03-23T10:52:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95210","tags":null,"has_narrative":true,"complaint_id":"4240443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-03-23T10:49:07.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This is in reference to chase claim number <em>XXXX</em> Fraudulent <em>account</em> with joint tenancy was opened sometimes in <em>XX/XX</em>/2021. <em>Unauthorized</em> transfers from Chase <em>checking</em> <em>account</em>, <em>ending</em> in <em>XXXX</em> were made between <em>XX/XX</em>/2021 to <em>XX/XX</em>/2021, in the total <em>amount</em> of {$140000.00}, to an <em>account</em> opened by fraudsters. Chase bank refused to assist in recover the stolen funds, after police report/identity theft complaints are received, along with the written documents of <em>unauthorized</em> ACH <em>debits</em> are received."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[20.961874,"4240443"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":257,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":257}]}},"product":{"doc_count":257,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":172,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":164},{"key":"Other banking product or service","doc_count":5},{"key":"Savings account","doc_count":3}]}},{"key":"Money 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