{"took":148,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":983,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18425721","_score":26.967451,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I selected a standard ( free ) transfer. Due to an application error, Cash App processed the transfer as an instant transfer and charged an instant transfer fee without my authorization. \n\nI attempted to correct the selection multiple times and the app repeatedly overrode my choice. \n\nI notified Cash App of the unauthorized fee and requested correction. They failed to respond. \n\nThis is an unauthorized electronic fund transfer and billing error under the Electronic Fund Transfer Act and Regulation E. I am requesting reversal of the instant transfer fee and written confirmation of resolution.","date_sent_to_company":"2026-01-02T19:11:46.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"18425721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-01-02T18:59:15.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This is an <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em> and billing <em>error</em> under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act and Regulation E. I am requesting reversal of the instant <em>transfer</em> fee and written confirmation of resolution."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[26.967451,"18425721"]},{"_index":"complaint-public-v1","_id":"4865461","_score":26.394367,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Bank account was fraudulently accessed ( XXXX ) by agent claiming to represent XXXX XXXX Department ; {$4000.00} was electronically transferred to an unknown recipient. US Bank has refused to repay this amount though the EFT Act specifically requires this : If a third party fraudulently induces a consumer into sharing account access information that is used to initiate an electronic fund transfer from the consumers account, does the transfer meet Regulation Es definition of unauthorized electronic fund transfer? \nYes. \n\nIf a third party fraudulently induces a consumer to share account access information, are subsequent transfers initiated with the fraudulently obtained account information excluded from Regulation Es definition of unauthorized electronic fund transfer because they are initiated [ b ] y a person who was furnished the access device to the consumer 's account by the consumer? \nNo. \n\nCan a financial institution consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E? \nNo. \n\nCan a financial institution require a consumer to file a police report or other documentation as a condition of initiating an error resolution investigation? \nNo.","date_sent_to_company":"2021-11-01T21:06:23.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"XXXXX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4865461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-11-01T20:47:54.000Z","state":"OR","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":["US Bank has refused to repay this amount though the EFT Act specifically requires this : If a third party fraudulently induces a consumer into sharing account access information that is used to initiate an <em>electronic</em> <em>fund</em> <em>transfer</em> from the consumers account, does the <em>transfer</em> meet Regulation Es definition of <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em>? \nYes."],"product":["Money <em>transfer</em>, virtual currency, or money service"]},"sort":[26.394367,"4865461"]},{"_index":"complaint-public-v1","_id":"15883631","_score":25.176052,"_source":{"product":"Checking or savings account","complaint_what_happened":"Navy Federal Credit Union purposely keeps reversing a dispute of mine. The transaction was not authorized for the amount listed. The original price was {$60.00}. The company charged me {$100.00}. I keep explaining this is the case and Navy Federal Credit Union is not investigating for this specific matter but for other reasons unknown. I can not be held liable for the pricing being different. \n\n( a ) Unauthorized electronic fund transfers ; limit A consumer shall be liable for any unauthorized electronic fund transfer involving the account of such consumer only if the card or other means of access utilized for such transfer was an accepted card or other meanas [ 1 ] of access and if the issuer of such card, code, or other means of access has provided a means whereby the user of such card, code, or other means of access can be identified as the person authorized to use it, such as by signature, photograph, or fingerprint or by electronic or mechanical confirmation. In no event, however, shall a consumers liability for an unauthorized transfer exceed the lesser of ( 1 ) {$50.00} ; or ( 2 ) the amount of money or value of property or services obtained in such unauthorized electronic fund transfer prior to the time the financial institution is notified of, or otherwise becomes aware of, circumstances which lead to the reasonable belief that an unauthorized electronic fund transfer involving the consumers account has been or may be effected. Notice under this paragraph is sufficient when such steps have been taken as may be reasonably required in the ordinary course of business to provide the financial institution with the pertinent information, whether or not any particular officer, employee, or agent of the financial institution does in fact receive such information.\n\nNotwithstanding the foregoing, reimbursement need not be made to the consumer for losses the financial institution establishes would not have occurred but for the failure of the consumer to report within sixty days of transmittal of the statement ( or in extenuating circumstances such as extended travel or hospitalization, within a reasonable time under the circumstances ) any unauthorized electronic fund transfer or account error which appears on the periodic statement provided to the consumer under section 1693d of this title. In addition, reimbursement need not be made to the consumer for losses which the financial institution establishes would not have occurred but for the failure of the consumer to report any loss or theft of a card or other means of access within XXXX business days after the consumer learns of the loss or theft ( or in extenuating circumstances such as extended travel or hospitalization, within a longer period which is reasonable under the circumstances ), but the consumers liability under this subsection in any such case XXXX not exceed a total of {$500.00}, or the amount of unauthorized electronic fund transfers which occur following the close of XXXX business days ( or such longer period ) after the consumer learns of the loss or theft but prior to notice to the financial institution under this subsection, whichever is less. \n( b ) Burden of proof In any action which involves a consumers liability for an unauthorized electronic fund transfer, the burden of proof is upon the financial institution to show that the electronic fund transfer was authorized or, if the electronic fund transfer was unauthorized, then the burden of proof is upon the financial institution to establish that the conditions of liability set forth in subsection ( a ) have been met, and, if the transfer was initiated after the effective date of section 1693c of this title, that the disclosures required to be made to the consumer under section 1693c ( a ) ( 1 ) and ( 2 ) of this title were in fact made in accordance with such section.\n\n( c ) Determination of limitation on liability In the event of a transaction which involves both an unauthorized electronic fund transfer and an extension of credit as defined in section 1602 ( e ) [ 2 ] of this title pursuant to an agreement between the consumer and the financial institution to extend such credit to the consumer in the event the consumers account is overdrawn, the limitation on the consumers liability for such transaction shall be determined solely in accordance with this section.\n\n( d ) Restriction on liability Nothing in this section imposes liability upon a consumer for an unauthorized electronic fund transfer in excess of his liability for such a transfer under other applicable law or under any agreement with the consumers financial institution.\n\n( e ) Scope of liability Except as provided in this section, a consumer incurs no liability from an unauthorized electronic fund transfer.","date_sent_to_company":"2025-09-11T15:31:25.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30241","tags":null,"has_narrative":true,"complaint_id":"15883631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-09-11T12:44:46.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["( b ) Burden of proof In any action which involves a consumers liability for an <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em>, the burden of proof is upon the financial institution to show that the <em>electronic</em> <em>fund</em> <em>transfer</em> was authorized or, if the <em>electronic</em> <em>fund</em> <em>transfer</em> was <em>unauthorized</em>, then the burden of proof is upon the financial institution to establish that the conditions of liability set forth in subsection ( a ) have been met, and, if the <em>transfer</em> was initiated after the effective date of section"]},"sort":[25.176052,"15883631"]},{"_index":"complaint-public-v1","_id":"11639417","_score":24.857891,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Zelle violated the Electronic Fund Transfer Act and failed to properly treat incorrect and unauthorized Zelle transfers as errors under the law. Zelle also failed to prevent and limit address fraud. Zelle failed to conduct reasonable investigation of notices of errors submitted.","date_sent_to_company":"2025-01-18T16:02:43.000Z","issue":"Confusing or missing disclosures","sub_product":"Mobile or digital wallet","zip_code":"761XX","tags":null,"has_narrative":true,"complaint_id":"11639417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-18T15:50:09.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Zelle violated the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act and failed to properly treat incorrect and <em>unauthorized</em> Zelle <em>transfers</em> as <em>errors</em> under the law. Zelle also failed to prevent and limit address fraud. Zelle failed to conduct reasonable investigation of notices of <em>errors</em> submitted."],"product":["Money <em>transfer</em>, virtual currency, or money service"]},"sort":[24.857891,"11639417"]},{"_index":"complaint-public-v1","_id":"17752012","_score":24.79896,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, AL XXXX XXXX XXXX XX/XX/year> Capital One Bank ( USA ), N.A. \nAttn : Customer Relations / Compliance Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : CEASE AND DESIST Unauthorized Disclosures & Electronic Transfer Activity Account Ending in : XXXX To Whom It May Concern, I am formally notifying Capital One Bank ( USA ), N.A. to cease and desist from any further unauthorized disclosures, electronic fund transfers, or changes to my account terms that violate the Electronic Fund Transfer Act ( EFTA ), specifically 15 U.S.C. 1693c, which governs mandatory disclosures of terms, conditions, and electronic transfer authorizations.\n\nUnder 15 U.S.C. 1693c, you are required to clearly disclose all terms, conditions, and liabilities related to electronic fund transfers on my account. I am exercising my rights under this statute and hereby demand : 1. Immediate cessation of any unauthorized or unexplained electronic withdrawals, transfers, or charges on my Capital One account ending in XXXX. \n2. Immediate cessation of any sharing, releasing, or transferring of my personal or financial information to third parties without my express written authorization.\n\n3. Written confirmation of all currently authorized electronic fund transfers connected to this account.\n\n4. Copies of all disclosures required under 15 U.S.C. 1693c, including : Terms and conditions of electronic fund transfers Liability limitations Error-resolution procedures Fees, authorization forms, and any preauthorized transfer agreements Take notice that any continued unauthorized activity, failure to comply with federal disclosure requirements, or refusal to provide the documentation requested above will result in : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Filing a complaint with my states Attorney General Potential pursuit of civil remedies available under federal law This letter serves as my formal assertion of rights. Please provide written acknowledgment of receipt and confirmation of compliance within 10 business days of the date of this letter.\n\nFailure to comply may constitute a knowing and willful violation of the Electronic Fund Transfer Act. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX Account Holder Capital One Account Ending in XXXX","date_sent_to_company":"2025-12-04T14:02:47.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"35806","tags":null,"has_narrative":true,"complaint_id":"17752012","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-04T13:30:47.000Z","state":"AL","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : CEASE AND DESIST <em>Unauthorized</em> Disclosures & <em>Electronic</em> <em>Transfer</em> Activity Account Ending in : XXXX To Whom It May Concern, I am formally notifying Capital One Bank ( USA ), N.A. to cease and desist from any further <em>unauthorized</em> disclosures, <em>electronic</em> <em>fund</em> <em>transfers</em>, or changes to my account terms that violate the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ), specifically 15 U.S.C. 1693c, which governs mandatory disclosures of terms, conditions, and <em>electronic</em> <em>transfer</em>"]},"sort":[24.79896,"17752012"]},{"_index":"complaint-public-v1","_id":"14743557","_score":24.52813,"_source":{"product":"Debt collection","complaint_what_happened":"Navy Federal Credit Union reversed a dispute I filed about XXXX charging me a price that was not expressed. I disputed the charge because the customer service department was not of any help. I disputed the charge with my bank and told them what had happened and they issued a temporary credit. A month or so later Navy Federal Credit Union reversed the credit but didnt explain why. I want to know who exactly they spoke with that stated the charges were valid. I did. It dispute staying at the hotel but that the XXXX was not the amount they indicated when I booked. The law states that I am only liable for {$50.00} when there is fraud. Navy Federal Credit Union has made this a common occurrence while Ive been a dedicated member of their bank. \n\n( a ) Unauthorized electronic fund transfers ; limit A consumer shall be liable for any unauthorized electronic fund transfer involving the account of such consumer only if the card or other means of access utilized for such transfer was an accepted card or other meanas [ 1 ] of access and if the issuer of such card, code, or other means of access has provided a means whereby the user of such card, code, or other means of access can be identified as the person authorized to use it, such as by signature, photograph, or fingerprint or by electronic or mechanical confirmation. In no event, however, shall a consumers liability for an unauthorized transfer exceed the lesser of ( 1 ) {$50.00} ; or ( 2 ) the amount of money or value of property or services obtained in such unauthorized electronic fund transfer prior to the time the financial institution is notified of, or otherwise becomes aware of, circumstances which lead to the reasonable belief that an unauthorized electronic fund transfer involving the consumers account has been or may be effected. Notice under this paragraph is sufficient when such steps have been taken as may be reasonably required in the ordinary course of business to provide the financial institution with the pertinent information, whether or not any particular officer, employee, or agent of the financial institution does in fact receive such information. \nNotwithstanding the foregoing, reimbursement need not be made to the consumer for losses the financial institution establishes would not have occurred but for the failure of the consumer to report within sixty days of transmittal of the statement ( or in extenuating circumstances such as extended travel or hospitalization, within a reasonable time under the circumstances ) any unauthorized electronic fund transfer or account error which appears on the periodic statement provided to the consumer under section 1693d of this title. In addition, reimbursement need not be made to the consumer for losses which the financial institution establishes would not have occurred but for the failure of the consumer to report any loss or theft of a card or other means of access within two business days after the consumer learns of the loss or theft ( or in extenuating circumstances such as extended travel or hospitalization, within a longer period which is reasonable under the circumstances ), but the consumers liability under this subsection in any such case may not exceed a total of {$500.00}, or the amount of unauthorized electronic fund transfers which occur following the close of two business days ( or such longer period ) after the consumer learns of the loss or theft but prior to notice to the financial institution under this subsection, whichever is less. \n( b ) Burden of proof In any action which involves a consumers liability for an unauthorized electronic fund transfer, the burden of proof is upon the financial institution to show that the electronic fund transfer was authorized or, if the electronic fund transfer was unauthorized, then the burden of proof is upon the financial institution to establish that the conditions of liability set forth in subsection ( a ) have been met, and, if the transfer was initiated after the effective date of section 1693c of this title, that the disclosures required to be made to the consumer under section 1693c ( a ) ( 1 ) and ( 2 ) of this title were in fact made in accordance with such section. \n\n( c ) Determination of limitation on liability In the event of a transaction which involves both an unauthorized electronic fund transfer and an extension of credit as defined in section 1602 ( e ) [ 2 ] of this title pursuant to an agreement between the consumer and the financial institution to extend such credit to the consumer in the event the consumers account is overdrawn, the limitation on the consumers liability for such transaction shall be determined solely in accordance with this section. \n\n( d ) Restriction on liability Nothing in this section imposes liability upon a consumer for an unauthorized electronic fund transfer in excess of his liability for such a transfer under other applicable law or under any agreement with the consumers financial institution. \n\n( e ) Scope of liability Except as provided in this section, a consumer incurs no liability from an unauthorized electronic fund transfer.","date_sent_to_company":"2025-07-18T18:01:51.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14743557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-07-18T17:53:42.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["( b ) Burden of proof In any action which involves a consumers liability for an <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em>, the burden of proof is upon the financial institution to show that the <em>electronic</em> <em>fund</em> <em>transfer</em> was authorized or, if the <em>electronic</em> <em>fund</em> <em>transfer</em> was <em>unauthorized</em>, then the burden of proof is upon the financial institution to establish that the conditions of liability set forth in subsection ( a ) have been met, and, if the <em>transfer</em> was initiated after the effective date of section"]},"sort":[24.52813,"14743557"]},{"_index":"complaint-public-v1","_id":"7849512","_score":24.402325,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chat with XXXX XXXX  that a illegal EFT was initiated and refused to be corrected causing a stat damage of XXXX, Under the EFT Act ( i ) An unauthorized electronic fund transfer ; ( ii ) An incorrect electronic fund transfer to or from the consumer 's account ; ( iv ) A computational or bookkeeping error made by the financial institution relating to an electronic fund transfer ; ( vi ) An electronic fund transfer not identified in accordance with 1005.9 ( https : XXXX ) or XXXX ( a ) ; ( https : XXXX # a ) or ( vii ) The consumer 's request for documentation required by 1005.9 ( https : XXXX ) or 1005.10 ( a ) ( https : XXXX # a ) or for additional information or clarification concerning an electronic fund transfer, including a request the consumer makes to determine whether an error exists under paragraphs ( a ) ( 1 ) ( i ) through ( vi ) of this section. Account Agrement Section ( iii ) electronic bank Section 1., F and Section 4 of the overdraft protection agreement gives I/we the right to revoke and or Modify. Section Article 1 of the PA State Constitution, Common Law Tort Invasion of Privacy intrusion upon seclusion, Unfair Trades and Prectices Act and applicable case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breech of contract!","date_sent_to_company":"2023-11-14T12:54:12.000Z","issue":"Problem caused by your funds being low","sub_product":"Savings account","zip_code":"184XX","tags":null,"has_narrative":true,"complaint_id":"7849512","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2023-11-14T12:44:33.000Z","state":"PA","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Chat with XXXX XXXX  that a illegal EFT was initiated and refused to be corrected causing a stat damage of XXXX, Under the EFT Act ( i ) An <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em> ; ( ii ) An incorrect <em>electronic</em> <em>fund</em> <em>transfer</em> to or from the consumer 's account ; ( iv ) A computational or bookkeeping <em>error</em> made by the financial institution relating to an <em>electronic</em> <em>fund</em> <em>transfer</em> ; ( vi ) An <em>electronic</em> <em>fund</em> <em>transfer</em> not identified in accordance with 1005.9 ( https : XXXX ) or XXXX ( a ) ; ( https :"]},"sort":[24.402325,"7849512"]},{"_index":"complaint-public-v1","_id":"18409684","_score":24.262756,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint concerns an unauthorized electronic fund transfer in violation of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E, 12 C.F.R. Part 1005. \n\nXXXX debited {$82.00} from my XXXX checking account without my authorization. I did not consent to any enrollment, membership, initiation fee, processing fee, or other charge in this amount. No valid authorizationwritten, electronic, or otherwisewas provided or obtained prior to the withdrawal. \n\nUpon discovering the unauthorized debit, I promptly notified the company and requested an explanation, proof of authorization, and a refund. Despite notice, XXXX has failed to provide evidence of authorization and has instead delayed resolution by introducing incremental verification requests rather than resolving the dispute as required under federal law.\n\nUnder 15 U.S.C. 1693f, financial institutions and associated parties are required to promptly investigate reported unauthorized electronic fund transfers and correct any error, including issuing a refund, within the prescribed timeframes. The continued delay and failure to resolve this matter is inconsistent with those obligations.\n\nI am requesting that the unauthorized {$82.00} debit be refunded immediately and that this matter be formally investigated and resolved in compliance with the EFTA and Regulation E.","date_sent_to_company":"2026-01-01T22:50:45.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"92571","tags":null,"has_narrative":true,"complaint_id":"18409684","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"We Collect Inc","date_received":"2026-01-01T22:15:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Under 15 U.S.C. 1693f, financial institutions and associated parties are required to promptly investigate reported <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> and correct any <em>error</em>, including issuing a refund, within the prescribed timeframes. The continued delay and failure to resolve this matter is inconsistent with those obligations."]},"sort":[24.262756,"18409684"]},{"_index":"complaint-public-v1","_id":"11067423","_score":23.979925,"_source":{"product":"Checking or savings account","complaint_what_happened":"The response from Chime Financial , Inc. to my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ), where Chime Financial asserts that it is not required to comply with Regulation XXXX, this assertion is incorrect. As a financial technology ( XXXX ) company providing electronic fund transfer ( EFT ) services to consumers, Chime Financial operates under the same regulatory framework as traditional financial institutions, including compliance with the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, REGULATION XXXX. \nXXXX companies like Chime Financial, which provide services such as online banking, debit card processing, and mobile money transfers, are required to adhere to the following regulations, Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) Protects consumers engaging in electronic fund transfers by establishing rights, responsibilities, and remedies. \nRegulation E ( 12 CFR Part 1005 ) Outlines specific protections, including error resolution procedures, investigation timelines, and requirements for addressing unauthorized transactions.\n\nConsumer Financial Protection Act ( CFPA ) Section 1036 ( 12 U.S.C. 5536 ) Prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ) in connection with the offering of consumer financial products or services.\n\nChime Financial response, denying its responsibility under Regulation E, is concerning. Specifically due to Failure to Conduct a Proper Investigation. Regulation E mandates that disputes involving unauthorized transactions or errors must be investigated within 10 business days and resolved within 45 calendar days if provisional credit is issued.\n\nChime Financial failure to follow the regulatory framework constitutes noncompliance with consumer protection laws.","date_sent_to_company":"2024-12-07T13:50:24.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"10027","tags":null,"has_narrative":true,"complaint_id":"11067423","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-12-07T13:28:03.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["XXXX companies like Chime Financial, which provide services such as online banking, debit card processing, and mobile money <em>transfers</em>, are required to adhere to the following regulations, <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( 15 U.S.C. 1693 et seq. ) Protects consumers engaging in <em>electronic</em> <em>fund</em> <em>transfers</em> by establishing rights, responsibilities, and remedies."]},"sort":[23.979925,"11067423"]},{"_index":"complaint-public-v1","_id":"19093724","_score":23.821842,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a formal complaint regarding a technical error in the Coinbase XXXX app. On XX/XX/XXXX, I initiated a withdrawal and explicitly selected the 'Standard ( 1-3 Business Days ) ' option to avoid fees. Due to a UI glitch, the app reverted to 'Instant Transfer ' without my consent immediately upon confirmation. This resulted in an unauthorized fee of {$590.00}. This fee was charged due to a software defect, not user selection. I am requesting a refund of the fee difference under the Electronic Fund Transfer Act ( Regulation E ) as this constitutes an 'incorrect electronic fund transfer ' caused by your system 's error. '' I contacted support immediately and even while trying to reproduce the error the app was glitchy and buttons were malformed. I sent the image to support where they said they can't do anything to return the fee.","date_sent_to_company":"2026-01-29T06:13:49.000Z","issue":"Wrong amount charged or received","sub_product":"Domestic (US) money transfer","zip_code":"94116","tags":null,"has_narrative":true,"complaint_id":"19093724","timely":"No","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2026-01-29T06:03:21.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting a refund of the fee difference under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( Regulation E ) as this constitutes an 'incorrect <em>electronic</em> <em>fund</em> <em>transfer</em> ' caused by your system 's <em>error</em>. '' I contacted support immediately and even while trying to reproduce the <em>error</em> the app was glitchy and buttons were malformed. I sent the image to support where they said they can't do anything to return the fee."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[23.821842,"19093724"]},{"_index":"complaint-public-v1","_id":"20784240","_score":23.804846,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Unauthorized Electronic Fund Transfers Regulation E Violation Complaint : I am filing a complaint regarding unauthorized electronic fund transfers totaling approximately {$1600.00} from my account. \n\nI reported these transactions to the XXXX XXXX associated with my account. They conducted an investigation and denied my claim, stating that the transactions were authorized. However, I did not authorize these transactions. \n\nI formally requested : A written explanation of their findings The evidence relied upon in denying my claim Confirmation that my claim was handled under Regulation E ( Electronic Fund Transfer Act ) The company failed to provide the requested documentation and instead required me to submit additional evidence to appeal, which is inconsistent with Regulation E requirements for unauthorized EFT claims. \n\nI have now formally submitted a Notice of Error and Appeal. They have not clearly confirmed that the appeal is being processed, nor have they provided the required findings. \n\nThe account is held by XXXX XXXX XXXX, and I am requesting that both the XXXX XXXX and XXXX XXXX XXXX  comply with Regulation E obligations. \n\nI am requesting : A proper Regulation E investigation Reimbursement of the unauthorized transactions if they can not prove authorization A written explanation of findings and evidence relied upon This matter remains unresolved.","date_sent_to_company":"2026-03-30T20:20:08.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"92101","tags":"Servicemember","has_narrative":true,"complaint_id":"20784240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-03-30T19:53:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Subject : <em>Unauthorized</em> <em>Electronic</em> <em>Fund</em> <em>Transfers</em> Regulation E Violation Complaint : I am filing a complaint regarding <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> totaling approximately {$1600.00} from my account. \n\nI reported these transactions to the XXXX XXXX associated with my account. They conducted an investigation and denied my claim, stating that the transactions were authorized. However, I did not authorize these transactions."]},"sort":[23.804846,"20784240"]},{"_index":"complaint-public-v1","_id":"7245197","_score":23.737478,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"PLEASE REFER TO COMPLAINT : XXXXXXXX XXXX  Subject : Complaint against XXXX XXXX and NFCU for Violation of the Electronic Fund Transfer Act ( EFTA ) XXXX am writing to file a formal complaint against Cash App and Navy Federal Credit Union ( NFCU ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ) . I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). \nAccording to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. \nIn the email response received from XXXX XXXX ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXX for the purchase of a vehicle. XXXX XXXX stated that they are unable to cancel, or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. \nXXXX XXXX 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. \nI believe that NFCU, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.","date_sent_to_company":"2023-07-13T05:28:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"022XX","tags":null,"has_narrative":true,"complaint_id":"7245197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-07-13T05:22:10.000Z","state":"MA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> ( EFTs ). \nAccording to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em> refers to a <em>transfer</em> initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit."]},"sort":[23.737478,"7245197"]},{"_index":"complaint-public-v1","_id":"7244690","_score":23.721539,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Complaint against Cash App and XXXX for Violation of the Electronic Fund Transfer Act ( EFTA ) I am writing to file a formal complaint against Cash App and XXXX XXXX XXXX XXXX ( XXXX ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ). I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). \n\nAccording to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. \n\nIn the email response received from Cash App ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXXXXXX for the purchase of a vehicle. Cash App stated that they are unable to cancel or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. \n\nCash App 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. \n\nI believe that XXXX, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.","date_sent_to_company":"2023-07-13T05:17:39.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"022XX","tags":null,"has_narrative":true,"complaint_id":"7244690","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-07-13T04:53:32.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Subject : Complaint against Cash App and XXXX for Violation of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) I am writing to file a formal complaint against Cash App and XXXX XXXX XXXX XXXX ( XXXX ) for their alleged violations of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ). I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> ( EFTs )."],"product":["Money <em>transfer</em>, virtual currency, or money service"]},"sort":[23.721539,"7244690"]},{"_index":"complaint-public-v1","_id":"8299306","_score":23.69428,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"See CFPB claim number : XXXX & XXXX for details Please have Wells Fargo explain how they are exempt from the What is the Electronic Fund Transfer Act 2023? The Act requires financial institutions to adopt certain practices respecting such matters as transaction accounting, and error resolution, requires financial institutions and others to have certain procedures for preauthorized transfers, and sets liability limits for losses caused by unauthorized transfers.\n\nThe questions and answers below pertain to compliance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E.\n\nThis is a Compliance Aid issued by the Consumer Financial Protection Bureau. The Bureau published a Policy Statement on Compliance Aids, available here, that explains the Bureaus approach to Compliance Aids.\n\n5. A third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account. Does the transfer meet Regulation Es definition of an unauthorized EFT?\n\nYes. As discussed in Electronic Fund Transfers Error Resolution : Unauthorized Fund Transfers Question 1, Regulation E defines an unauthorized EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E.\n\nFor example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information, and thus, are considered unauthorized EFTs under Regulation E : ( 1 ) a third-party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumers account, and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs.","date_sent_to_company":"2024-02-08T03:54:09.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"92240","tags":"Older American","has_narrative":true,"complaint_id":"8299306","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-08T03:42:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Does the <em>transfer</em> meet Regulation Es definition of an <em>unauthorized</em> EFT?\n\nYes. As discussed in <em>Electronic</em> <em>Fund</em> <em>Transfers</em> <em>Error</em> Resolution : <em>Unauthorized</em> <em>Fund</em> <em>Transfers</em> Question 1, Regulation E defines an <em>unauthorized</em> EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the <em>transfer</em> and from which the consumer receives no benefit. 12 CFR 1005.2 ( m )."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[23.69428,"8299306"]},{"_index":"complaint-public-v1","_id":"21108419","_score":23.540565,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005.11 ) regarding an unauthorized electronic fund transfer that Wells Fargo refuses to correct. \n\nOn XXXXXXXX/2026, a fraudulent third-party transaction posted to my account : BETTERMENT TRANSFER XXXX XXXX Amount : {$9200.00} Name attached : XXXX XXXX I did NOT authorize this transaction, do not know this person, and have never had any account or relationship with Betterment or any third party connected to this transfer. \n\nThis is a clear unauthorized electronic fund transfer. \n\nI reported this within the required XXXX timeframe. Despite this, Wells Fargo denied my claim without conducting a proper investigation and refused to provide provisional credit. \nWells Fargo is in violation of federal law by : Failing to conduct a reasonable and good-faith investigation Failing to provide provisional credit within 10 business days Wrongfully determining a fraudulent transaction as authorized Failing to provide any evidence of authorization ( no IP logs, no device verification, no signed consent ) This is a direct violation of Regulation XXXX error resolution procedures. \n\n\nThis was not a simple dispute this was a third-party unauthorized transfer involving a financial platform ( Betterment ), which raises serious concerns about : Unauthorized account linking Third-party access without consent Possible identity theft or system breach Wells Fargos failure to investigate properly exposes consumers to ongoing financial harm.","date_sent_to_company":"2026-04-09T21:50:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"21108419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-09T21:29:03.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am filing this complaint under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005.11 ) regarding an <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em> that Wells Fargo refuses to correct."]},"sort":[23.540565,"21108419"]},{"_index":"complaint-public-v1","_id":"8181229","_score":23.359285,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Reconsideration Request for Fraudulent Transactions Dispute - Claim Reference Number XXXX I am writing to express my dissatisfaction with the outcome of the investigation related to the fraudulent transactions on my account, referenced by Claim Reference Number XXXX. According to the email received, the investigation concluded that no error was found, and I am deemed responsible for the unauthorized activity. \n\nI find this resolution unjust, as it seems unreasonable to thoroughly investigate and determine the legitimacy of fraudulent transactions within a mere 24 to 48 hours. Considering the complexity of such matters, I request a reconsideration of my claim and an immediate credit to my account for the funds associated with the unauthorized activity.\n\nI believe this request aligns with consumer protection laws, specifically the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which outline the rights and responsibilities of consumers and financial institutions in cases of electronic fund transfers, including unauthorized transactions. \n\nAccording to EFTA and Regulation E, consumers are entitled to prompt investigation and resolution of reported errors or unauthorized transactions. I urge you to review my case thoroughly, taking into consideration the substantial inconvenience and potential financial impact I am experiencing due to the unauthorized activity on my account.","date_sent_to_company":"2024-01-15T21:14:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"8181229","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-15T21:08:27.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I believe this request aligns with consumer protection laws, specifically the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) and Regulation E, which outline the rights and responsibilities of consumers and financial institutions in cases of <em>electronic</em> <em>fund</em> <em>transfers</em>, including <em>unauthorized</em> transactions. \n\nAccording to EFTA and Regulation E, consumers are entitled to prompt investigation and resolution of reported <em>errors</em> or <em>unauthorized</em> transactions."]},"sort":[23.359285,"8181229"]},{"_index":"complaint-public-v1","_id":"19739407","_score":23.343159,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, at approximately XXXXXXXX XXXX the phone number associated with my Chime account was changed without my authorization. \n\nAt approximately XXXXXXXX XXXX XXXX  minute later a transfer of {$670.00} was sent from my account to XXXXXXXX XXXX XXXX XXXX  XXXX ), an individual not in my contacts. \n\nI did not authorize the phone number change or the transfer. \n\nI discovered the activity shortly after waking and immediately contacted Chime to report unauthorized access. I also filed a police report with the XXXX XXXX XXXX Department on XX/XX/year> ( Call Reference # XXXX ). \n\nChime reset my account credentials due to the compromise, confirming that the account had been accessed improperly. Despite the fact that the transfer occurred immediately after my contact information was changed without my authorization, Chime denied my dispute and concluded that no error occurred. \n\nChime has not provided a detailed explanation of how this transaction qualifies as an authorized electronic fund transfer under the Electronic Fund Transfer Act ( Regulation XXXX ), given that : My phone number was changed without my authorization The transfer occurred immediately after the unauthorized change I reported the issue promptly A police report was filed the same day The account required full credential reset due to compromise This transaction meets the definition of an unauthorized electronic fund transfer under Regulation XXXX, as it was initiated by a person other than the consumer without actual authority.\n\nI am requesting reimbursement of the {$670.00} unauthorized transfer and a detailed written explanation of the basis for Chimes determination that this transaction was authorized.\n\nI was told that I could not escalate the issue with Chime without additional attachments.","date_sent_to_company":"2026-02-24T15:54:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85742","tags":null,"has_narrative":true,"complaint_id":"19739407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-02-24T15:39:34.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Chime has not provided a detailed explanation of how this transaction qualifies as an authorized <em>electronic</em> <em>fund</em> <em>transfer</em> under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( Regulation XXXX ), given that : My phone number was changed without my authorization The <em>transfer</em> occurred immediately after the <em>unauthorized</em> change I reported the issue promptly A police report was filed the same day The account required full credential reset due to compromise This transaction meets the definition of an <em>unauthorized</em> <em>electronic</em>"]},"sort":[23.343159,"19739407"]},{"_index":"complaint-public-v1","_id":"18774729","_score":23.233334,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, at approximately XXXXXXXX XXXX  an unauthorized electronic fund transfer occurred on my Chime account involving an apartment complex with which I have no relationship and have never resided. I timely notified Chime of this unauthorized transaction and submitted supporting documentation, including evidence that I reported the matter to the credit bureaus and conducted my own investigation in XXXX. \nDespite receiving this information, Chime denied my dispute without providing a sufficient explanation or evidence of a reasonable investigation. Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, and Regulation E ( 12 C.F.R. 1005.11 ), financial institutions are required to conduct a reasonable investigation of reported errors and correct unauthorized electronic fund transfers. Based on the circumstances, it appears Chime failed to meet these obligations. \nA proper investigation would have revealed the following material facts : I have never received, activated, or possessed a physical Chime debit card. \nI notified Chime of concerns regarding the delivery of physical cards containing my personal information, as I never received one.\n\nAt the time of the transaction, I was physically outside of the United States in XXXX, making it impossible for me to authorize the transaction. \nThe merchant involved is an apartment complex that I have never lived at, leased from, or otherwise conducted business with. \nUnder Regulation E, a consumer is not liable for unauthorized electronic fund transfers, and financial institutions may not deny a claim without completing a reasonable investigation and providing appropriate documentation. Chimes denial of my dispute, despite clear evidence of unauthorized use, is inconsistent with these consumer protection requirements. \nI am requesting that Chime conduct a proper investigation in compliance with Regulation E, reverse the unauthorized transaction, and correct any adverse impact to my account or credit history resulting from this matter. I also request written documentation explaining how Chime determined this transaction was authorized.","date_sent_to_company":"2026-01-26T21:24:24.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30046","tags":null,"has_narrative":true,"complaint_id":"18774729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-01-16T11:52:07.000Z","state":"GA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ), 15 U.S.C. 1693, and Regulation E ( 12 C.F.R. 1005.11 ), financial institutions are required to conduct a reasonable investigation of reported <em>errors</em> and correct <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em>. Based on the circumstances, it appears Chime failed to meet these obligations. \nA proper investigation would have revealed the following material facts : I have never received, activated, or possessed a physical Chime debit card."]},"sort":[23.233334,"18774729"]},{"_index":"complaint-public-v1","_id":"21637763","_score":23.152851,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The Electronic Fund Transfer Act ( EFTA ) of XXXX  ( 15 U.S.C. 1693 et seq. ) is a federal law protecting consumers engaging in electronic money transfers, including ATM, debit card, ACH, and online banking transactions. It establishes rights for error resolution, mandates disclosure of fees, and limits liability for unauthorized transfers, implemented via Regulation E. I need PNC investigated as money has repeated been missing from my account to the point I have to switch banks. And the statements do not add up.","date_sent_to_company":"2026-04-27T19:33:42.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"156XX","tags":null,"has_narrative":true,"complaint_id":"21637763","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-04-27T19:30:26.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) of XXXX  ( 15 U.S.C. 1693 et seq. ) is a federal law protecting consumers engaging in <em>electronic</em> money <em>transfers</em>, including ATM, debit card, ACH, and online banking transactions. It establishes rights for <em>error</em> resolution, mandates disclosure of fees, and limits liability for <em>unauthorized</em> <em>transfers</em>, implemented via Regulation E. I need PNC investigated as money has repeated been missing from my account to the point I have to switch banks."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[23.152851,"21637763"]},{"_index":"complaint-public-v1","_id":"18087887","_score":23.1508,"_source":{"product":"Checking or savings account","complaint_what_happened":"Factual Statement of Unauthorized Charges and Improper Dispute Denial I am submitting this complaint regarding Chime Financial , Inc.s handling of unauthorized electronic fund transfers and its denial of my dispute in apparent violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, 12 C.F.R. 1005.11. \n\nMultiple transactions were posted to my Chime account by a merchant identified as XXXX XXXX XXXX  / XXXX XXXX XXXX. These transactions were unauthorized. At no time was my debit card lost, stolen, or voluntarily shared, nor was my mobile device lost, stolen, or accessed by another individual. I did not provide consent for these transactions and did not receive the goods or services associated with the charges. \n\nUpon discovering the transactions, I promptly contacted the merchant. The merchant informed me that I was permitted to dispute the charges and stated that they were conducting a manual review. The merchant further acknowledged that this review remained unresolved for approximately XXXX months, and no refund or resolution was provided. \n\nDue to the merchants failure to resolve the matter, I exercised my right under Regulation E to dispute the transactions with Chime. Despite the nature of the claimunauthorized electronic fund transfersChime denied the dispute through what appears to have been an automated or expedited review, reportedly within a XXXX period. No meaningful investigation, evidence-based explanation, or documentation supporting the denial was provided to me. \n\nUnder 12 C.F.R. 1005.11, financial institutions are required to conduct a reasonable, good-faith investigation of alleged errors, particularly where unauthorized electronic fund transfers are claimed. A perfunctory or automated denial, without consideration of relevant facts or merchant admissions, raises serious concerns regarding compliance with Regulation Es error-resolution requirements. \n\nI am requesting that the CFPB review whether Chimes dispute handling practices in this matterincluding the speed of denial, lack of substantive explanation, and failure to consider material factsconstitute an unfair, deceptive, or abusive act or practice ( UDAAP ) and a failure to comply with federal consumer financial protection laws. \n\nI am seeking corrective action, including proper reconsideration of my dispute, restitution of the unauthorized funds, and assurance that Chimes dispute resolution procedures comply with Regulation E.","date_sent_to_company":"2025-12-16T21:08:33.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"95336","tags":"Servicemember","has_narrative":true,"complaint_id":"18087887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-12-16T20:49:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Factual Statement of <em>Unauthorized</em> Charges and Improper Dispute Denial I am submitting this complaint regarding Chime Financial , Inc.s handling of <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> and its denial of my dispute in apparent violation of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) and Regulation E, 12 C.F.R. 1005.11. \n\nMultiple transactions were posted to my Chime account by a merchant identified as XXXX XXXX XXXX  / XXXX XXXX XXXX. These transactions were <em>unauthorized</em>."]},"sort":[23.1508,"18087887"]},{"_index":"complaint-public-v1","_id":"8246738","_score":23.084085,"_source":{"product":"Checking or savings account","complaint_what_happened":"Region Bank fail to provide full and clear evidence disclosing the transaction details of the determination upon the claims apart of the dispute notice. XXXX XXXX  provided transaction details that didn't carry out full procedure of properly handling an investigation in accordance to The Electronic Fund Transfer Act of the notice of error of the dispute. \n\n1. Violation of the Electronic Funds Transfer Act, Regulation E ( 12 C.F.R. 205 ), Unauthorized Transactions 2. Violation of the Electronic Funds Transfer Act, Regulation E ( 12 C.F.R. 205 ), Explanation of Findings Bank is also in violation for breach of contract for selling consumer banking transactions to third parties.","date_sent_to_company":"2024-01-29T18:01:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75067","tags":null,"has_narrative":true,"complaint_id":"8246738","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2024-01-29T17:25:03.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["XXXX XXXX  provided transaction details that didn't carry out full procedure of properly handling an investigation in accordance to The <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act of the notice of <em>error</em> of the dispute. \n\n1. Violation of the <em>Electronic</em> Funds <em>Transfer</em> Act, Regulation E ( 12 C.F.R. 205 ), <em>Unauthorized</em> Transactions 2."]},"sort":[23.084085,"8246738"]},{"_index":"complaint-public-v1","_id":"16919355","_score":23.035164,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Unauthorized electronic transfer of {$650.00} from Cash App account claim wrongfully denied Details of the Issue : On XX/XX/year>, an unauthorized transaction in the amount of {$650.00} was withdrawn from my Cash App account ending in XXXX. I did not authorize, initiate, or benefit from this transfer. \nI immediately reported the fraudulent transaction to Cash App/Square Inc. on XX/XX/year> following all instructions provided in the app and through their support channels. I also provided supporting documentation showing that the payment was unauthorized. \nDespite my prompt report and the clear evidence of fraud, Cash App denied my claim on XX/XX/year>, stating that I should have paid through my bank account instead of through the Cash App platform. This reasoning is irrelevant to my claim of unauthorized electronic fund transfer, which should be covered under federal consumer protection law. \n\nActions Taken : * Reported unauthorized transaction on XX/XX/year> * Requested investigation under 12 CFR 1005.6 ( Regulation E ) * Provided transaction ID : XXXXXXXX XXXX Received denial notice from Cash App on XX/XX/year> * Contacted Cash App customer support multiple times, but they refused to reopen the claim Relevant Law and Consumer Protections : Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR Part 1005 ), financial institutions are required to investigate and resolve consumer reports of unauthorized electronic fund transfers.\n\nAccording to 12 CFR 1005.11, once a consumer reports an unauthorized transaction, the institution must : XXXX. Promptly investigate the claim, XXXX. Determine whether an error occurred, and XXXX. Provide a written explanation of its findings. \nCash Apps reasoning for denial does not address the issue of unauthorized access to my funds and appears to violate their obligations under Regulation E. The company has not provided evidence showing that I authorized this {$650.00} transfer.","date_sent_to_company":"2025-10-30T20:51:23.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"30083","tags":null,"has_narrative":true,"complaint_id":"16919355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-10-30T20:46:43.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["and resolve consumer reports of <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em>."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[23.035164,"16919355"]},{"_index":"complaint-public-v1","_id":"18027233","_score":23.021019,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX XXXX XXXX, SoFi processed an unauthorized electronic fund transfer of {$190.00} from my checking account to a merchant called XXXX. \nBACKGROUND : Earlier in XXXX, I closed my SoFi debit card ending in XXXX due to a fraud dispute. SoFi instructed me to close this card to prevent further unauthorized charges and issued me a replacement card ending in XXXX. I never provided my new card number to XXXX or updated my payment information in their system. \nTIMELINE : XX/XX/XXXX : XXXX attempted to charge my CLOSED card ( XXXX ) for a subscription renewal. SoFi correctly DECLINED this charge. \nXXXX XXXX XXXX XXXX XXXXXXXX successfully charged my NEW card ( XXXX ) for {$190.00}. SoFi processed and paid this charge.\n\nUpon discovery : I immediately contacted both SoFi and XXXX to dispute this unauthorized charge. \n\nTHE PROBLEM : SoFi claims there is \" no error '' because they participate in a card Account Updater service that automatically provided my new card information to XXXX. However : I was never informed that SoFi participates in this service I never authorized XXXX to charge my new card ( XXXX ) When I closed my card due to FRAUD, I had a reasonable expectation that all charges associated with that compromised card would permanently stop Under Regulation E ( 12 CFR 1005.11 ), financial institutions must have consumer authorization for electronic fund transfers- I never authorized this transfer from my NEW card WHAT I WANT : I am requesting that SoFi refund {$190.00} to my account as an unauthorized electronic fund transfer under Regulation E. The bank 's\n\nautomatic sharing of my new card information with merchants who had my old, CLOSED card does not constitute my authorization for electronic fund transfers. SoFi 's practice of automatically updating card information for merchants- especially when cards are closed due to FRAUD- undermines consumer security and violates the spirit and letter of Regulation E. \nI cancelled the XXXX subscription immediately upon discovering this unauthorized charge on approximately XX/XX/XXXX. \nWhat happened after you complained to the company : \" SoFi denied my dispute, claiming there was no error because they participate in an Account Updater service '' or \" I submitted a formal dispute on XX/XX/XXXX and am filing this complaint because SoFi has not responded properly to the incident. Desired Resolution : Full refund of {$190.00} for unauthorized electronic fund transfer. SoFi should\nalso implement clearer disclosures about their Account Updater practices and provide customers who close cards due to fraud with options to opt out of automatic card information sharing.","date_sent_to_company":"2025-12-14T15:30:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"34203","tags":null,"has_narrative":true,"complaint_id":"18027233","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-12-14T15:03:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["} to my account as an <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em> under Regulation E."]},"sort":[23.021019,"18027233"]},{"_index":"complaint-public-v1","_id":"19672084","_score":22.893167,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company : Chime Financial , Inc. \nAccount Ending In : XXXX Claim IDs : XXXX # XXXX # XXXX Disputed Amount : {$80.00}, {$90.00}, {$21.00}, {$65.00} To Whom It May Concern, I am submitting this complaint regarding Chimes denial of my unauthorized electronic fund transfer claim. \n\nOn XX/XX/year>, I reported an unauthorized Pay Friends transfer in the amount of {$80.00} from my account. At the time of the transaction, my phone had been stolen and was no longer in my possession. I did not authorize this transfer, nor did I provide anyone with permission to access my account. \n\nChime conducted an investigation and issued a final determination stating that no error occurred, but did not provide sufficient explanation or evidence demonstrating that the transaction was authorized. \n\nUnder the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005 ), an unauthorized electronic fund transfer is defined as one initiated by a person other than the consumer without actual authority and from which the consumer receives no benefit. I provided timely notice of this unauthorized transaction. \n\nChime has not provided : * Evidence demonstrating that I authorized the transaction. \n* Authentication logs, IP records, device verification data, or proof of biometric/passcode validation. \n* Documentation sufficient to support its conclusion. \n\nThe absence of a police report should not negate my claim, as local law enforcement in my city does not respond to or generate reports solely for stolen phones. This does not constitute authorization. \n\nI am requesting that the CFPB review Chimes handling of this matter and require them to : 1. Provide all documentation relied upon in denying my claim.\n\n2. Reconsider the denial consistent with Regulation E protections.\n\n3. Credit the unauthorized {$80.00}, {$90.00}, {$65.00} ans {$21.00} transfer to my account.\n\nI believe Chime has failed to properly apply Regulation E standards in determining that no error occurred.\n\nThank you for your assistance in this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-02-21T00:32:49.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"194XX","tags":null,"has_narrative":true,"complaint_id":"19672084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-02-21T00:12:00.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005 ), an <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em> is defined as one initiated by a person other than the consumer without actual authority and from which the consumer receives no benefit. I provided timely notice of this <em>unauthorized</em> transaction. \n\nChime has not provided : * Evidence demonstrating that I authorized the transaction."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[22.893167,"19672084"]},{"_index":"complaint-public-v1","_id":"7521661","_score":22.856373,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. The account listed XXXX Account # : XXXX has several inconsistencies among the three reporting agencies. \n\nAccount # : XXXX XXXX XXXX Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off - Charged off account Secured credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.\n\n15 U.S. Code 1693g - Consumer liability ( a ) Unauthorized electronic fund transfers ; limit A consumer shall be liable for any unauthorized electronic fund transfer involving the account of such consumer only if the card or other means of access utilized for such transfer was an accepted card or other meanas [ 1 ] of access and if the issuer of such card, code, or other means of access has provided a means whereby the user of such card, code, or other means of access can be identified as the person authorized to use it, such as by signature, photograph, or fingerprint or by electronic or mechanical confirmation. In no event, however, shall a consumers liability for an unauthorized transfer exceed the lesser of ( 1 ) {$50.00} ; or ( 2 ) the amount of money or value of property or services obtained in such unauthorized electronic fund transfer prior to the time the financial institution is notified of, or otherwise becomes aware of, circumstances which lead to the reasonable belief that an unauthorized electronic fund transfer involving the consumers account has been or may be effected. Notice under this paragraph is sufficient when such steps have been taken as may be reasonably required in the ordinary course of business to provide the financial institution with the pertinent information, whether or not any particular officer, employee, or agent of the financial institution does in fact receive such information.\n\nNotwithstanding the foregoing, reimbursement need not be made to the consumer for losses the financial institution establishes would not have occurred but for the failure of the consumer to report within sixty days of transmittal of the statement ( or in extenuating circumstances such as extended travel or hospitalization, within a reasonable time under the circumstances ) any unauthorized electronic fund transfer or account error which appears on the periodic statement provided to the consumer under section 1693d of this title. In addition, reimbursement need not be made to the consumer for losses which the financial institution establishes would not have occurred but for the failure of the consumer to report any loss or theft of a card or other means of access within two business days after the consumer learns of the loss or theft ( or in extenuating circumstances such as extended travel or hospitalization, within a longer period which is reasonable under the circumstances ), but the consumers liability under this subsection in any such case may not exceed a total of {$500.00}, or the amount of unauthorized electronic fund transfers which occur following the close of two business days ( or such longer period ) after the consumer learns of the loss or theft but prior to notice to the financial institution under this subsection, whichever is less.\n\n( b ) Burden of proof In any action which involves a consumers liability for an unauthorized electronic fund transfer, the burden of proof is upon the financial institution to show that the electronic fund transfer was authorized or, if the electronic fund transfer was unauthorized, then the burden of proof is upon the financial institution to establish that the conditions of liability set forth in subsection ( a ) have been met, and, if the transfer was initiated after the effective date of section 1693c of this title, that the disclosures required to be made to the consumer under section 1693c ( a ) ( 1 ) and ( 2 ) of this title were in fact made in accordance with such section.\n\n( c ) Determination of limitation on liability In the event of a transaction which involves both an unauthorized electronic fund transfer and an extension of credit as defined in section 1602 ( e ) [ 2 ] of this title pursuant to an agreement between the consumer and the financial institution to extend such credit to the consumer in the event the consumers account is overdrawn, the limitation on the consumers liability for such transaction shall be determined solely in accordance with this section.\n\n( d ) Restriction on liability Nothing in this section imposes liability upon a consumer for an unauthorized electronic fund transfer in excess of his liability for such a transfer under other applicable law or under any agreement with the consumers financial institution.\n\n( e ) Scope of liability Except as provided in this section, a consumer incurs no liability from an unauthorized electronic fund transfer.","date_sent_to_company":"2023-09-08T22:31:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"7521661","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-08T22:18:13.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( b ) Burden of proof In any action which involves a consumers liability for an <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em>, the burden of proof is upon the financial institution to show that the <em>electronic</em> <em>fund</em> <em>transfer</em> was authorized or, if the <em>electronic</em> <em>fund</em> <em>transfer</em> was <em>unauthorized</em>, then the burden of proof is upon the financial institution to establish that the conditions of liability set forth in subsection ( a ) have been met, and, if the <em>transfer</em> was initiated after the effective date of section"],"sub_issue":["Their investigation did not fix an <em>error</em> on your 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