{"took":140,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":48,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9796081","_score":29.170328,"_source":{"product":"Checking or savings account","complaint_what_happened":"There was an unauthorized transaction from the following company XXXX XXXX XXXX that posted on the XX/XX/year>, this transaction was for the amount of {$280.00} that was done on XX/XX/year>. I reached out to the bank ( Wells Fargo ) in regards to the transaction an to file a claim for the balance. The claim was later denied saying that the Merchant provided them my name. This transaction is unauthorized and do NOT recognize that merchant or the location of the transaction. \n\nThere was also additional attempts for larger amounts from the same merchant that were denied. I even received Notifications about the transaction attempts for larger amount so that's when I decided to cancel the card. I also replaced my card as soon as I saw the Unauthorized transaction attempts.","date_sent_to_company":"2024-08-15T00:31:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"97116","tags":null,"has_narrative":true,"complaint_id":"9796081","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-15T00:01:03.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["There was an <em>unauthorized</em> <em>transaction</em> from the following company XXXX XXXX XXXX that posted on the XX/XX/year>, this <em>transaction</em> was for the amount of {$280.00} that was done on XX/XX/year>. I reached out to the bank ( Wells Fargo ) in regards to the <em>transaction</em> an to file a claim for the balance. The claim was later denied saying that the <em>Merchant</em> provided them my name. This <em>transaction</em> is <em>unauthorized</em> and do NOT <em>recognize</em> that <em>merchant</em> or the <em>location</em> of the <em>transaction</em>."]},"sort":[29.170328,"9796081"]},{"_index":"complaint-public-v1","_id":"17219319","_score":26.76758,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was the victim of unauthorized transactions made through my Branch debit card, which is issued by XXXXXXXX XXXX \nOn XX/XX/year>, XXXX unauthorized charges appeared on my account : Here is the first : Merchant : XXXX XXXX Amount : {$9.00} Transaction Date : XX/XX/year> at XXXXXXXX XXXX  Posted Date : XX/XX/year> at XXXXXXXX XXXX Location shown : XXXX XXXX XXXX, XXXX, OH XXXX Second transaction : Merchant : XXXX XXXX Amount : {$79.00} Transaction Date : XXXX XXXX at XXXXXXXX XXXX Posted Date : XX/XX/year> at XXXXXXXX XXXX  Location shown : XXXX XXXX XXXX, XXXX, OH XXXX Third transaction : Merchant : XXXX XXXX  Amount : {$140.00} Transaction Date : XXXX XXXX at XXXX XXXX Posted Date : XX/XX/year> at XXXX Location shown : XXXX XXXX XXXX, XXXX, OH XXXX XXXX transaction : Merchant : XXXX XXXX Amount : {$460.00} Transaction Date : XXXX XXXX at XXXXXXXX XXXX Posted Date : XX/XX/year> at XXXX Location shown : XXXX XXXX XXXX, XXXX, OH XXXX XXXX transaction : Merchant : XXXX XXXX Amount : {$490.00} Transaction Date : XX/XX/year> at XXXX Posted Date : XX/XX/year> at XXXX Location shown : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX transaction : Merchant : XXXX XXXX Amount : {$470.00} Transaction Date : XXXX XXXX at XXXX Posted Date : XX/XX/year> at XXXX Location shown : XXXX XXXX XXXX XXXX  XXXX, OH XXXX Last transaction : Merchant : XXXX XXXX Amount : {$440.00} Transaction Date : XXXX XXXX at XXXX Posted Date : XX/XX/year> at XXXX Location shown : XXXX XXXXXXXX XXXX  XXXX XXXX, OH XXXX I did not approve or authorize this transaction. I am a victim of a scam group operating under the names \" XXXX XXXX '' and \" XXXX XXXX. '' I immediately reported these transactions to Branch and filed a dispute. However, the dispute was later denied with the explanation that my claim was not credible.\n\nI strongly disagree with this outcome because I did not authorize or recognize these transactions. I have already provided all requested information and evidence. \n\nI am requesting that this case be reopened and reviewed directly by XXXX XXXX since Branch is only a financial service provider and not the issuing bank. \n\nI want my funds refunded and a proper investigation conducted into these fraudulent charges.","date_sent_to_company":"2025-11-13T21:15:51.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"17219319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-11-13T20:53:28.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I was the victim of <em>unauthorized</em> transactions made through my Branch debit card, which is issued by XXXXXXXX XXXX \nOn XX/XX/year>, XXXX <em>unauthorized</em> charges appeared on my account : Here is the first : <em>Merchant</em> : XXXX XXXX Amount : {$9.00} <em>Transaction</em> Date : XX/XX/year> at XXXXXXXX XXXX  Posted Date : XX/XX/year> at XXXXXXXX XXXX <em>Location</em> shown : XXXX XXXX XXXX, XXXX, OH XXXX Second <em>transaction</em> : <em>Merchant</em> : XXXX XXXX Amount : {$79.00} <em>Transaction</em> Date : XXXX XXXX at XXXXXXXX XXXX Posted Date : XX"],"sub_issue":["<em>Transaction</em> was not authorized"]},"sort":[26.76758,"17219319"]},{"_index":"complaint-public-v1","_id":"22229227","_score":26.715595,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am disputing unauthorized transaction for {$290.00} made on my Chime account. At the time the this transaction occurred ( XX/XX/2026 ), my debit card had been lost and was not in my possession. I did not authorize, approve, or recognize the charges or the app/merchant associated with them. \n\nI contacted Chime to report the unauthorized activity and requested a fraud investigation and reimbursement. Chime denied my dispute multiple times, stating that my device pinged near the location where the transaction occurred. However, location data alone does not prove that I personally authorized or completed the transaction. \n\nI did not knowingly enter my card information, approve any purchase, or complete any authentication such as a PIN, password, or biometric verification for these transactions. \n\nAt Chimes request, I filed a police report regarding the lost card and unauthorized transactions. Despite providing this information, my dispute was still denied. \n\nI am requesting a full reinvestigation of the unauthorized transactions and reimbursement for the disputed amount.","date_sent_to_company":"2026-05-15T02:36:02.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"11224","tags":null,"has_narrative":true,"complaint_id":"22229227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-05-15T02:18:29.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am disputing <em>unauthorized</em> <em>transaction</em> for {$290.00} made on my Chime account. At the time the this <em>transaction</em> occurred ( XX/XX/2026 ), my debit card had been lost and was not in my possession. I did not authorize, approve, or <em>recognize</em> the charges or the app/<em>merchant</em> associated with them. \n\nI contacted Chime to report the <em>unauthorized</em> activity and requested a fraud investigation and reimbursement."],"issue":["<em>Unauthorized</em> transactions or other <em>transaction</em> problem"]},"sort":[26.715595,"22229227"]},{"_index":"complaint-public-v1","_id":"9816252","_score":26.604378,"_source":{"product":"Checking or savings account","complaint_what_happened":"There was an unauthorized transaction from the following company XXXX XXXX XXXX that posted on the XX/XX/year>, this transaction was for the amount of {$280.00} that was done on XX/XX/year>. I reached out to the bank ( Wells Fargo ) in regards to the transaction an to file a claim for the balance. The claim was later denied saying that the Merchant provided them my name. This transaction is unauthorized and do NOT recognize that merchant or the location of the transaction. There was also additional attempts for larger amounts -- This transaction was from the same company XXXX XXXX XXXX XXXX for the amount of {$630.00} on XX/XX/year> -- XXXX ), this transaction was denied due to insufficient fund. I even received Notifications about the transaction attempts for larger amount so that's when I decided to cancel the card. I also replaced my card as soon as I saw the Unauthorized transaction attempts. The bank denied my transaction saying that I authorized this payment. The payment is from a company in NJ based on the information from the statement and I live in Oregon. There was also a Police a report filed for the unauthorized transaction,","date_sent_to_company":"2024-08-15T04:52:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"97116","tags":null,"has_narrative":true,"complaint_id":"9816252","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-15T04:43:08.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["There was an <em>unauthorized</em> <em>transaction</em> from the following company XXXX XXXX XXXX that posted on the XX/XX/year>, this <em>transaction</em> was for the amount of {$280.00} that was done on XX/XX/year>. I reached out to the bank ( Wells Fargo ) in regards to the <em>transaction</em> an to file a claim for the balance. The claim was later denied saying that the <em>Merchant</em> provided them my name. This <em>transaction</em> is <em>unauthorized</em> and do NOT <em>recognize</em> that <em>merchant</em> or the <em>location</em> of the <em>transaction</em>."]},"sort":[26.604378,"9816252"]},{"_index":"complaint-public-v1","_id":"18896240","_score":26.396833,"_source":{"product":"Checking or savings account","complaint_what_happened":"Conversation opened. 1 unread message. \n\nOn XX/XX/year>, I reported an unauthorized debit card transaction in the amount of {$1100.00} on my Chime checking account ending in XXXX. I did not authorize, recognize, or benefit from this transaction. The merchant is located in XXXX XXXX, XXXX, and I have never conducted business with this merchant. \n\nI reported the transaction promptly to Chime and fully cooperated with their investigation. I submitted all requested documentation, including a police report, screenshots showing the merchants foreign location, and a written statement confirming the charge was unauthorized. \n\nDespite this, Chime denied my dispute and stated only that no error occurred, without providing any evidence that I authorized the transaction or addressing the police report or supporting documentation I provided. \n\nXXXXXXXX XXXX XXXXXXXX. is the issuing bank on my account and is responsible for compliance with Regulation E. The denial did not include a reasonable explanation or proof of authorization as required under Regulation E ( 12 CFR 1005.11 ). \n\nI am requesting reimbursement of the unauthorized {$1100.00} and a copy of all records relied upon to deny my claim","date_sent_to_company":"2026-01-21T18:22:17.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"34238","tags":null,"has_narrative":true,"complaint_id":"18896240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-01-21T17:48:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I reported an <em>unauthorized</em> debit card <em>transaction</em> in the amount of {$1100.00} on my Chime checking account ending in XXXX. I did not authorize, <em>recognize</em>, or benefit from this <em>transaction</em>. The <em>merchant</em> is located in XXXX XXXX, XXXX, and I have never conducted business with this <em>merchant</em>. \n\nI reported the <em>transaction</em> promptly to Chime and fully cooperated with their investigation."],"sub_issue":["<em>Transaction</em> was not authorized"]},"sort":[26.396833,"18896240"]},{"_index":"complaint-public-v1","_id":"19180448","_score":25.62433,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Bank of America denied my dispute for unauthorized XXXX charges without evidence of authorization. \n\nThe charges are recurring {$50.00} transactions appearing at multiple XXXX locations. I do not have a XXXX account, did not authorize recurring charges, and do not recognize these transactions. \n\nBank of America reversed a temporary credit and denied my claim solely because the charges were consistent with previous charges with this merchant. No signed receipt, contract, or merchant account in my name was provided. \n\nI contacted XXXX by chat and phone. XXXX stated they could not find any authorized recurring charges tied to me and would not investigate further because I do not have a XXXX account. \n\nA merchants refusal to investigate does not constitute authorization. Bank of America relied only on transaction pattern analysis, which is insufficient under Regulation Z for unauthorized use claims.","date_sent_to_company":"2026-02-02T16:03:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94133","tags":null,"has_narrative":true,"complaint_id":"19180448","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-02-02T15:48:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Complaint Bank of America denied my dispute for <em>unauthorized</em> XXXX charges without evidence of authorization. \n\nThe charges are recurring {$50.00} transactions appearing at multiple XXXX <em>locations</em>. I do not have a XXXX account, did not authorize recurring charges, and do not <em>recognize</em> these transactions. \n\nBank of America reversed a temporary credit and denied my claim solely because the charges were consistent with previous charges with this <em>merchant</em>."]},"sort":[25.62433,"19180448"]},{"_index":"complaint-public-v1","_id":"14193353","_score":23.971624,"_source":{"product":"Credit card","complaint_what_happened":"I am formally reporting fraudulent activity on my account, linked to First National Bank of Omaha ( FNBO ) Cases XXXX, XXXX, XXXX, XXXX and Case # XXXX. A series of unauthorized charges, spanning from XX/XX/XXXX, to XX/XX/XXXX, have appeared on my statement. These transactions originate from diverse locations such as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, FL. I do not recognize the merchants involved, nor the corresponding transaction amounts, and can confirm that no products or services were ever rendered to me. Attempts to contact these merchants directly have been unsuccessful. Further investigation into these entities leads me to suspect they may be acting as payment processors for offshore online gaming sites, potentially in contravention of the Unlawful Internet Gambling Enforcement Act of 2006.","date_sent_to_company":"2025-06-20T21:17:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32765","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14193353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2025-06-20T20:27:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["A series of <em>unauthorized</em> charges, spanning from XX/XX/XXXX, to XX/XX/XXXX, have appeared on my statement. These transactions originate from diverse <em>locations</em> such as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, FL. I do not <em>recognize</em> the <em>merchants</em> involved, nor the corresponding <em>transaction</em> amounts, and can confirm that no products or services were ever rendered to me. Attempts to contact these <em>merchants</em> directly have been unsuccessful."]},"sort":[23.971624,"14193353"]},{"_index":"complaint-public-v1","_id":"19926059","_score":23.937431,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting a complaint regarding an unauthorized debit card transaction on my Chime account. \n\nTimeline of Events : On XX/XX/year>, I noticed an unauthorized transaction on my Chime account and immediately called Chime to report it. The agent informed me the transaction was pending and advised me to wait until it posted to file a dispute. \n\nDuring this waiting period, Chime issued me a new debit card. \n\nThe following day, I filed a formal dispute for the transaction. \n\nI later called again and was told I would receive provisional credit, but I subsequently received a denial via email. \n\nTransaction Details : Type : In-store chip transaction Amount : {$2000.00} I did not authorize this transaction. \n\nI did not give my card to anyone and did not provide my PIN. \n\nI was not present at the merchant location. \n\nI reported the card lost immediately upon discovery. \n\nChime recognized potential fraud by issuing a new card during the investigation. \n\nThe denial by Chime fails to provide sufficient evidence of authorization. \n\nUnder Regulation XXXX, my liability for unauthorized transactions is limited when reported promptly","date_sent_to_company":"2026-03-03T14:00:45.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"19013","tags":null,"has_narrative":true,"complaint_id":"19926059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-03T13:16:16.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Transaction</em> Details : Type : In-store chip <em>transaction</em> Amount : {$2000.00} I did not authorize this <em>transaction</em>. \n\nI did not give my card to anyone and did not provide my PIN. \n\nI was not present at the <em>merchant</em> <em>location</em>. \n\nI reported the card lost immediately upon discovery. \n\nChime <em>recognized</em> potential fraud by issuing a new card during the investigation. \n\nThe denial by Chime fails to provide sufficient evidence of authorization."],"issue":["<em>Unauthorized</em> transactions or other <em>transaction</em> problem"]},"sort":[23.937431,"19926059"]},{"_index":"complaint-public-v1","_id":"14646220","_score":23.044683,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding multiple instances of unauthorized charges made through merchants using XXXX payment processing platform. Despite these repeated incidents, XXXX appears to have failed to verify the legitimacy of the accounts used to process those charges. \n\nXX/XX/XXXX to XX/XX/XXXX : I have received over a dozen fraudulent charges on three different debit cards, involving unknown merchants with vague or unverifiable names. \nCharges ranged from {$1.00} to {$500.00}, typically processed through merchants with Square-structured names ( e.g. SQ DEANNAS FO, XXXX, XXXX XXXX, etc. ). \nMany charges list only vague location tags such as FLUS, XXXX, or XXXX, with no corresponding legitimate business traceable. \nIn some cases, I received provisional credits after filing disputes. However, the recurrence of this fraud across new card numbers suggests systemic weaknesses in XXXX onboarding and fraud prevention systems. \n\nXXXX appears to allow instant merchant access without adequate verification, enabling bad actors to open merchant accounts, process fraudulent charges, and disappear before action is taken. \nThe lack of merchant transparency, address verification, or transaction detail significantly impairs my ability to recognize or defend against unauthorized use. \nI have incurred substantial time loss, repeated card replacements, and ongoing anxiety managing potential financial exposure, none of which were mitigated by Squares systems.","date_sent_to_company":"2025-07-14T20:52:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"54935","tags":null,"has_narrative":true,"complaint_id":"14646220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-07-14T19:32:18.000Z","state":"WI","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["XXXX appears to allow instant <em>merchant</em> access without adequate verification, enabling bad actors to open <em>merchant</em> accounts, process fraudulent charges, and disappear before action is taken. \nThe lack of <em>merchant</em> transparency, address verification, or <em>transaction</em> detail significantly impairs my ability to <em>recognize</em> or defend against <em>unauthorized</em> use."]},"sort":[23.044683,"14646220"]},{"_index":"complaint-public-v1","_id":"14154342","_score":23.006031,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally express my dissatisfaction and concern regarding the handling of a fraud dispute I submitted concerning an unauthorized transaction posted to my account. The situation has caused undue stress and frustration, and I am requesting immediate attention and resolution. \n\nOn or around XX/XX/year>, after returning from a trip to XXXX, XXXX ( XX/XX/year> ), I reviewed my bank statement and noticed an unauthorized charge in the amount of {$400.00} from a merchant whose name and location I did not recognize. I want to be clear that this merchant was not one I visited or transacted with at any point during my time in XXXX. \n\nUpon discovering this suspicious transaction, I promptly submitted a fraud dispute through Navy Federal Credit Union. However, to my surprise, the claim was denied within one week, despite the seriousness of the dispute and the fact that I clearly stated that the merchant in question was unfamiliar and unrelated to my travel. \n\nFollowing the denial, I contacted XXXX XXXX multiple times to request supporting documentation or rationale for the decision, yet no one has been willing or able to provide me with such information. This lack of transparency is extremely concerning and unacceptable for a financial institution entrusted with protecting its members accounts. \n\nIn response to the denial, I submitted a formal appeal, requesting that the charge be re-investigated and that the funds be returned to my account. As of the date of this letter, I have received no communication, acknowledgment, or update regarding the appeal, leaving me in complete uncertainty about the status of my funds.","date_sent_to_company":"2025-06-18T17:59:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"39501","tags":null,"has_narrative":true,"complaint_id":"14154342","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-06-18T17:50:42.000Z","state":"MS","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On or around XX/XX/year>, after returning from a trip to XXXX, XXXX ( XX/XX/year> ), I reviewed my bank statement and noticed an <em>unauthorized</em> charge in the amount of {$400.00} from a <em>merchant</em> whose name and <em>location</em> I did not <em>recognize</em>. I want to be clear that this <em>merchant</em> was not one I visited or transacted with at any point during my time in XXXX. \n\nUpon discovering this suspicious <em>transaction</em>, I promptly submitted a fraud dispute through Navy Federal Credit Union."],"sub_issue":["<em>Transaction</em> was not authorized"]},"sort":[23.006031,"14154342"]},{"_index":"complaint-public-v1","_id":"21976382","_score":22.82879,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXXXXXX XXXX XXXX ( 54 minutes ago ) to me I am filing this complaint against Capital One regarding the denial of my unauthorized transaction claim on account ending in XXXX. \n\nOn or around XX/XX/, an unauthorized charge of {$350.00} appeared on my debit card at a merchant listed as XXXX XXXX XXXX ' I did not authorize this transaction and do not recognize this merchant. I rarely use this debit card, making this charge highly anomalous to my account activity. \n\nAt the time of the transaction, I did not have my debit card in my possession and had no knowledge of its whereabouts. I reported this to Capital One when I submitted my claim and corrected this information verbally with their representative during the appeals process. \n\nCapital One denied my claim twice, citing the following reasons : - Normal account activity, logins, and phone calls - The physical CHIP card was used I want to address both points : 1. The CHIP argument does not conclusively prove I authorized the charge. CHIP technology reduces but does not eliminate fraud, and the presence of a CHIP transaction does not override a cardholder 's sworn statement that the card was not in their possession.\n\n2. I verbally corrected my questionnaire response with Capital One 's representative to clarify that I did not have the card at the time of the transaction. This correction does not appear to have been factored into their final decision.\n\nCapital One has failed to provide me with the specific transaction details I would need to further dispute this charge, including the exact time, location, and merchant address of the transaction. \n\nI am requesting that the CFPB investigate Capital One 's handling of this dispute and require them to reverse the {$350.00} charge and provide a full explanation of the evidence used in their denial, including how my verbal correction was considered. \n\nThank you for your assistance.","date_sent_to_company":"2026-05-07T15:36:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"21976382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-07T15:28:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX XXXX ( 54 minutes ago ) to me I am filing this complaint against Capital One regarding the denial of my <em>unauthorized</em> <em>transaction</em> claim on account ending in XXXX. \n\nOn or around XX/XX/, an <em>unauthorized</em> charge of {$350.00} appeared on my debit card at a <em>merchant</em> listed as XXXX XXXX XXXX ' I did not authorize this <em>transaction</em> and do not <em>recognize</em> this <em>merchant</em>. I rarely use this debit card, making this charge highly anomalous to my account activity."]},"sort":[22.82879,"21976382"]},{"_index":"complaint-public-v1","_id":"19106422","_score":22.576868,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is submitted together with a cover letter and a sworn, notarized affidavit, which are incorporated by reference and provide a detailed factual record of the events described below. \n____________________________________________________________________ In late XX/XX/year>, I identified a debit card charge for {$89.00} that I did not recognize at the time it posted to my account. Because merchant details were not visible and the charge was unfamiliar, I contacted the financial institution and reported the transaction as potentially unauthorized. \n\nOn XX/XX/year>, a provisional credit of {$89.00} was issued while the claim was under review. \n\nAfter the claim was initiated, additional information became available identifying the merchant. I then recalled that the only transaction I made at that location was a single small purchase ( approximately {$1.00} for a soda ). I did not authorize, agree to, or receive goods or services totaling {$89.00}. I notified the financial institution that the issue concerned an incorrect or unauthorized amount, not unauthorized use of my card. \n\nDespite this clarification, the institution refused to reclassify the claim as a billing error or incorrect amount dispute and proceeded to deny it as fraud. The denial stated that the claim was rejected because I authorized and/or participated in the activity. I dispute this reasoning, as participation in a transaction does not constitute authorization of an incorrect or altered amount.\n\nRepresentatives advised that XXXX requires a receipt and suggested the dispute could not proceed without one. I explained that it is unrealistic to retain receipts for minor purchases such as a {$1.00} transaction. I was also advised that XXXX controlled the outcome, which conflicted with my understanding that claim classification is the responsibility of the financial institution. \n\nDue to the lack of cooperation, I contacted the merchant directly. Rather than checking records by date or transaction, the merchant requested that I come into the store. I declined due to safety concerns and because I believe the dispute should be handled between the financial institution and the merchant. \n\nOn XX/XX/year>, I received written notice that the claim was denied and that the {$89.00} provisional credit would be reversed on XX/XX/year>. \n\nThis is the second dispute in which I have experienced similar handling by this institution, including refusal to correct claim classification and reliance on participation to deny an amount dispute. I am requesting review and assistance to ensure proper dispute handling and compliance.","date_sent_to_company":"2026-01-29T17:49:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"27707","tags":null,"has_narrative":true,"complaint_id":"19106422","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-29T17:23:09.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["After the claim was initiated, additional information became available identifying the <em>merchant</em>. I then recalled that the only <em>transaction</em> I made at that <em>location</em> was a single small purchase ( approximately {$1.00} for a soda ). I did not authorize, agree to, or receive goods or services totaling {$89.00}. I notified the financial institution that the issue concerned an incorrect or <em>unauthorized</em> amount, not <em>unauthorized</em> use of my card."]},"sort":[22.576868,"19106422"]},{"_index":"complaint-public-v1","_id":"18382581","_score":22.39742,"_source":{"product":"Checking or savings account","complaint_what_happened":"Company involved : Chime Bank Description of what happened : On XX/XX/year>, my debit card account with Chime Bank was compromised and charged multiple times by a merchant called Whatnot, a merchant I do not recognize and have never knowingly used. These charges occurred in rapid succession and drained my account. \n\nAt the same time the unauthorized charges were occurring ( approximately XXXX XXXX PM ), I was physically present at a XXXX location attempting to complete a legitimate shipping transaction. My XXXX transactions were repeatedly declined due to insufficient funds caused by the unauthorized Whatnot charges draining my account balance. \nWithin minutes of noticing the suspicious activity, I froze my card and contacted Chime Bank by phone. During that call, the representative stated the activity was concerning and issued a replacement card, indicating acknowledgment of potential fraud. \nThe total unauthorized loss is {$100.00}. This amount includes the fraudulent Whatnot charges as well as an additional {$20.00} loss that occurred because my legitimate XXXX transaction was denied after my account had already been drained by the unauthorized activity. \n\nI reported the unauthorized transactions promptly and submitted supporting documentation, including transaction screenshots, call logs, and XXXX tracking information showing I was attempting legitimate in-person use at the time of the fraud. \nDespite this, Chime Bank denied my unauthorized transaction claim. I formally appealed the denial, provided the same evidence again, and attempted to resolve the matter by phone after being sent a link to submit additional information. During that call, I explained the situation multiple times, but the representative repeatedly requested new information without explaining what was missing or acknowledging the evidence already provided. My written appeal was not meaningfully addressed. \n\nChime Bank has not provided a written explanation of how it determined these transactions were authorized, nor has it confirmed whether merchant, device, IP, or delivery information was reviewed as part of its investigation.\n\nI am requesting reimbursement of the full {$100.00} and confirmation that Chime Bank conducts a proper investigation consistent with its obligations under Regulation E.","date_sent_to_company":"2025-12-30T22:28:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85308","tags":"Servicemember","has_narrative":true,"complaint_id":"18382581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-12-30T22:06:16.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Company involved : Chime Bank Description of what happened : On XX/XX/year>, my debit card account with Chime Bank was compromised and charged multiple times by a <em>merchant</em> called Whatnot, a <em>merchant</em> I do not <em>recognize</em> and have never knowingly used. These charges occurred in rapid succession and drained my account."]},"sort":[22.39742,"18382581"]},{"_index":"complaint-public-v1","_id":"20111393","_score":22.267534,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint because Chase Bank has incorrectly denied my claim regarding XXXX unauthorized withdrawals on my debit card ending in XXXX. The transactions occurred on XX/XX/XXXX ( {$63.00} ) and XX/XX/XXXX ( {$83.00} ). \nChase denied my claim stating it was a \" Chip and PIN '' transaction. I am challenging this denial based on the following factual evidence that proves XXXX records are incorrect or based on fraudulent technical data : Merchant Audit Contradiction : I contacted the account manager at the specific merchant location Chase identified. They conducted an internal audit of all transactions for my card number on the dates in question. Their records show XXXX transactions for my card. ( I confirmed this in an email exchange with the accounts manager named XXXX XXXX at the store address, also there is no third party atm machine inside or outside at this address, as confirmed by XXXX as well. ) Physical Impossibility of Amount : The merchant confirmed that their point-of-sale system has a hard withdrawal limit of {$40.00} per transaction ( and a withdrawal is only allowed with a purchase ). It is physically and technically impossible for a {$63.00} or {$83.00} withdrawal to have been processed at that location. \n\nLack of Burden of Proof : Under Regulation E ( 12 CFR 1005.11 ), the burden of proof lies with the bank to prove a transaction was authorized. Chase has failed to explain why their records show a transaction that the merchants own system does not recognize and could not physically process. \n\nDue to a disability that makes maintaining records and monitoring vague transaction codes difficult, I did not identify the XXXX fraud immediately. Under Regulation E ( 12 CFR 1005.11 ( b ) ( 2 ) ), my disability constitutes an extenuating circumstance that requires the bank to extend the XXXX reporting window to a reasonable period. Given that the merchant has confirmed this transaction never physically occurred, a full refund is the only fair resolution. ( I just won and earned XXXX status as of XX/XX/XXXX ) In addition : Violation of Regulation E Timing : Chase has improperly \" bundled '' these XXXX separate events to deny my XX/XX/XXXX claim. While the XXXX transaction may be outside the XXXX reporting window, the XX/XX/XXXX withdrawal for {$83.00} is a timely report under Regulation E. The bank is legally required to investigate the XX/XX/XXXX transaction on its own merits, regardless of the status of the XXXX claim.","date_sent_to_company":"2026-03-09T23:25:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94530","tags":null,"has_narrative":true,"complaint_id":"20111393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-09T22:31:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["It is physically and technically impossible for a {$63.00} or {$83.00} withdrawal to have been processed at that <em>location</em>. \n\nLack of Burden of Proof : Under Regulation E ( 12 CFR 1005.11 ), the burden of proof lies with the bank to prove a <em>transaction</em> was authorized. Chase has failed to explain why their records show a <em>transaction</em> that the <em>merchants</em> own system does not <em>recognize</em> and could not physically process."]},"sort":[22.267534,"20111393"]},{"_index":"complaint-public-v1","_id":"11323656","_score":21.856857,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, an unauthorized charge of {$520.00} appeared on my Wells Fargo credit card ending in XXXX from a merchant named XXXX XXXX XXXX XXXX XXXX '' I did not make this purchase, nor do I recognize this business. \n\nTimeline of Events : XX/XX/year> : Unauthorized charge of {$520.00} from \" XXXX XXXX XXXX XXXX '' posted to my account. \nXX/XX/year> : I discovered the unauthorized charge and immediately contacted Wells Fargo. \nXX/XX/year> : Wells Fargo issued a credit to my account for the disputed amount. \nXX/XX/year> : I received a letter from Wells Fargo stating that their investigation found no fraud or unauthorized transactions. \nXX/XX/year> : Wells Fargo notified me that the credit previously issued would be reversed. \nWells Fargo 's Response : Wells Fargo claims that the transaction was authorized because I possess a chip card, implying my physical presence was required for the transaction. \n\nInsufficient Investigation : Wells Fargo has failed to provide any information about the merchant XXXX XXXX XXXX XXXX XXXX '' including its location or business type. \nLack of Evidence : Wells Fargo has not provided any evidence to support their claim of authorization, such as a copy of the transaction receipt or any other documentation. I have not received any proof of authorization from Wells Fargo, such as a receipt with my signature. \nMy Position : I maintain that the {$520.00} charge from XXXX XXXX XXXX XXXX XXXX '' is unauthorized and fraudulent. I did not make this purchase, nor did I authorize anyone else to do so. I have no knowledge of this business and have not received any goods or services from them.","date_sent_to_company":"2024-12-30T22:17:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"208XX","tags":null,"has_narrative":true,"complaint_id":"11323656","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-12-30T22:09:32.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/year>, an <em>unauthorized</em> charge of {$520.00} appeared on my Wells Fargo credit card ending in XXXX from a <em>merchant</em> named XXXX XXXX XXXX XXXX XXXX '' I did not make this purchase, nor do I <em>recognize</em> this business. \n\nTimeline of Events : XX/XX/year> : <em>Unauthorized</em> charge of {$520.00} from \" XXXX XXXX XXXX XXXX '' posted to my account. \nXX/XX/year> : I discovered the <em>unauthorized</em> charge and immediately contacted Wells Fargo."]},"sort":[21.856857,"11323656"]},{"_index":"complaint-public-v1","_id":"15288275","_score":21.817402,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"What happened : I am disputing a {$2900.00} unauthorized transaction to XXXX XXXX that occurred between XX/XX/XXXX and XX/XX/2025, through my PayPal account. I did not authorize this transaction, and I did not provide my login credentials or consent for these funds to be taken. \n\nI reported the transaction as soon as I became aware of it, well within the 60-day reporting period required under the Electronic Fund Transfer Act ( Regulation E ).\n\nPayPal denied my dispute, claiming that because my account had sufficient funds, there were logins between transactions, and I did not report it immediately, the activity was considered authorized. These reasons are not valid proof of authorization. Unauthorized users can and do log in after gaining fraudulent access, and having funds available does not equal consent.\n\nI have requested that PayPal provide IP addresses, device IDs, and geolocation data for the disputed logins and transactions to verify they were not from my devices or locations. They have not provided this information or reversed the charge.\n\nWhat I want : Immediate reversal of the {$2900.00} charge and restoration of funds to my account. I want PayPal to comply with Regulation E by recognizing this as an unauthorized transaction and providing the investigation data supporting their decision. \n\nCompany name : XXXX XXXX XXXX XXXX \n\nAccount type : Online payment service linked to a debit card. \n\nRelevant dates : Unauthorized transaction : XXXX XXXX XXXX Dispute filed : XX/XX/2025 Denial issued : XX/XX/2025 Why this matters : PayPal is refusing to reverse a clearly unauthorized transaction and is relying on insufficient reasoning that ignores consumer protection laws. They are also withholding the investigation data I requested, which would confirm that I was not the one who made these transactions.\n\nI have provided PayPal with proof that the transactions were not me. I have sent them an email from the merchant where the fraud was done showing that I have no connection with the merchant. PayPal still refuses to refund me my money.","date_sent_to_company":"2025-08-14T18:09:39.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"33487","tags":"Servicemember","has_narrative":true,"complaint_id":"15288275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-08-14T17:55:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I want PayPal to comply with Regulation E by <em>recognizing</em> this as an <em>unauthorized</em> <em>transaction</em> and providing the investigation data supporting their decision. \n\nCompany name : XXXX XXXX XXXX XXXX \n\nAccount type : Online payment service linked to a debit card."]},"sort":[21.817402,"15288275"]},{"_index":"complaint-public-v1","_id":"21767721","_score":21.680967,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting a complaint regarding two unauthorized transactions on my checking account in the amounts of approximately {$1900.00} and {$2000.00} associated with a merchant listed as XXXX XXXX. \n\nI was initially contacted by Navy Federal Credit Union and informed that these transactions appeared potentially fraudulent. During that call, I immediately confirmed that I did not authorize the transactions, did not recognize the merchant, and had no relationship with the company associated with the charges.\n\nDespite reporting the transactions as fraud immediatly, the payments were still processed. I timely filed a fraud claim and fully cooperated with the investigation and appeal process.\n\nThe credit union later denied my claim, stating only that its information contradicts my claim of unauthorized activity. However, the company has repeatedly refused to provide any actual evidence or documentation showing that I authorized the transactions. Specifically, I requested documentation supporting their determination, including transaction authorization records, merchant verification, authentication methods, IP/device information, or other evidence relied upon during the investigation. These requests were denied. The company later stated that most of its investigation process was conducted electronically and that physical documentation relating to the fraud claim was minimal. Despite this, the company continues to deny my claim\nwithout explaining what information allegedly supports authorization.\n\nIn response to the companys request for additional information, I conducted independent research regarding the merchant associated with the charges. I searched the California Secretary of State database for XXXX XXXX in XXXX XXXX CA and found no registered business entity under that name nor location. I provided this documentation to the credit union as additional support for my fraud claim.\n\nTo date : * I maintain that these transactions were unauthorized.\n\n* I do not recognize or have any relationship with the merchant.\n\n* The company has failed to provide evidence demonstrating authorization.\n\n* My fraud claim and appeal were denied despite my repeated requests for supporting documentation.\n\nI am requesting that the CFPB review whether the investigation conducted by the credit union complied with applicable consumer protection requirements, including obligations under the Electronic Fund Transfer Act and Regulation E regarding unauthorized electronic fund transfers and reasonable investigations of disputed transactions.","date_sent_to_company":"2026-04-30T21:46:48.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"95136","tags":null,"has_narrative":true,"complaint_id":"21767721","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-30T21:26:23.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["* I do not <em>recognize</em> or have any relationship with the <em>merchant</em>.\n\n* The company has failed to provide evidence demonstrating authorization.\n\n* My fraud claim and appeal were denied despite my repeated requests for supporting documentation."],"sub_issue":["<em>Transaction</em> was not authorized"]},"sort":[21.680967,"21767721"]},{"_index":"complaint-public-v1","_id":"14786185","_score":21.114388,"_source":{"product":"Credit card","complaint_what_happened":"Urgent Matter Regarding Fraudulent Charges I am writing to formally dispute several unauthorized transactions on my Barclays AAdvantage Aviator Red Mastercard account. I have previously contacted Barclays by phone at XXXX to report these fraudulent activities, ready to provide detailed information including merchant names, transaction dates, and amounts. A comprehensive list of these charges is attached for your reference. \nDespite my previous attempts to resolve this issue, I have not been able to contact Barclays to tell them of the fraudulent charges, they said someone from our office will contact you and gave me a case # : XXXX. Well that has been over a week and I have received no email or phone call. \nI unequivocally state that these charges are fraudulent. They originate from international merchants in locations such as XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, none of which I recognize. I did not authorize these transactions, nor did I receive any goods or services from these entities. Furthermore, I have attempted to contact the listed merchants, only to find that their websites are non-existent, further indicating their illegitimate nature. \nMy attempts to escalate this matter via phone have been challenging due to excessive wait times ( often exceeding XXXX minutes ), language barriers, disconnections, and representatives stating that they do not know whom to contact. \nGiven the clear evidence of fraud, I formally request that Barclays do an investigation immediately and reverse these unauthorized charges. I am prepared to provide any additional information or documentation required to resolve this critical issue. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-20T21:45:29.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32765","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14786185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-07-20T21:27:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["They originate from international <em>merchants</em> in <em>locations</em> such as XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, none of which I <em>recognize</em>. I did not authorize these transactions, nor did I receive any goods or services from these entities. Furthermore, I have attempted to contact the listed <em>merchants</em>, only to find that their websites are non-existent, further indicating their illegitimate nature."]},"sort":[21.114388,"14786185"]},{"_index":"complaint-public-v1","_id":"20774615","_score":20.588219,"_source":{"product":"Checking or savings account","complaint_what_happened":"Company : XXXX XXXX XXXX XXXX. ( issuer of Chime debit cards ) Product : Checking or savings account Issue : Problem with a lender or other company charging my account / Unauthorized transactions -- - I am filing this complaint against XXXX XXXX XXXX XXXX, which issues debit cards under the Chime brand, for twice denying a valid Regulation E fraud dispute involving an unauthorized charge of {$62.00}. \n\nFACTS : On XX/XX/year>, an unauthorized charge of {$62.00} appeared on my Chime checking account from a merchant called \" XXXX XXXX XXXX '' ( descriptor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ). This is a XXXX resort company I have never had any dealings with and did not authorize any payment to. \n\nI discovered the charge the same day, immediately reported it to Chime, and canceled my debit card. Because Chime 's system would not allow me to formally open a dispute until the charge fully posted, I called back on XX/XX/year> to initiate the dispute. I provided a complete and consistent account : I did not make this transaction, I had my card in my possession, my PIN was memorized and not shared with anyone, I had not given anyone access to my account, and I did not know how my card data was obtained. \n\nChime denied my dispute on XX/XX/year>. I called the same day, escalated to a manager, and the investigation was reopened. On XX/XX/year>, Chime denied the dispute a second time. \n\nI requested the evidence file used to reach their determination. They provided three documents : 1. My intake call transcript which contains only my consistent, credible statements that the transaction was unauthorized. There is nothing in this transcript that contradicts my claim. \n\nXXXX. Supporting evidence I submitted including XXXX XXXX  timeline data confirming I was in XXXX XXXX, Oklahoma on XX/XX/year> ( the charge originated from a XXXX company in XXXX ) ; browser search history showing me researching \" XXXX XXXX XXXX '' immediately after the charge appeared, including searches for \" XXXX XXXX XXXX  fraudulent '' ; and Chime push notification screenshots showing my card being declined simultaneously at seven different XXXX 's restaurant locations at XXXX XXXX  a few days later a textbook fraud pattern consistent with card data being tested across multiple terminals after being stolen. \n\nXXXX. My bank statement which shows XXXX months of consistent, routine spending at local XXXX XXXX  merchants, with no prior or subsequent transactions involving XXXX XXXX XXXX or any XXXX merchant. \n\nREGULATION E CONCERN : Under the Electronic Fund Transfer Act and Regulation E, financial institutions are required to conduct a reasonable, good-faith investigation of unauthorized transaction claims. XXXX XXXX XXXX XXXX Chime has failed to meet this standard. The evidence they relied upon to deny my claim does not support that determination in fact, it corroborates my account. My location data places me in XXXX XXXXXXXX while the charge came from a XXXX company. My search history shows I had no prior knowledge of the merchant. The simultaneous declined transactions at multiple XXXX 's locations are a recognized indicator of card skimming or data compromise that Chime 's own fraud systems flagged in real time and then apparently disregarded during their investigation. \n\nI have retained all documentation related to this dispute, including the evidence file Chime provided, and am prepared to provide it upon request.","date_sent_to_company":"2026-03-30T16:33:27.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"731XX","tags":null,"has_narrative":true,"complaint_id":"20774615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-30T16:24:09.000Z","state":"OK","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["My <em>location</em> data places me in XXXX XXXXXXXX while the charge came from a XXXX company. My search history shows I had no prior knowledge of the <em>merchant</em>. The simultaneous declined transactions at multiple XXXX 's <em>locations</em> are a <em>recognized</em> indicator of card skimming or data compromise that Chime 's own fraud systems flagged in real time and then apparently disregarded during their investigation."],"sub_issue":["<em>Transaction</em> was not authorized"]},"sort":[20.588219,"20774615"]},{"_index":"complaint-public-v1","_id":"7373320","_score":20.185276,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"After reviewing my monthly statements i noticed a transaction from Usps PO in thee amount of {$150.00} posted on Friday XXXX thee XXXXXXXX XXXX @ XXXX. I didnt recognize the merchant nor do i remember making any type of payment, purchase or subscribe to any type of services especially for that amount. I used the moblie app to inquire more in regards to the unfamiliar transaction. Upon looking at my statement for the month of XXXX there was not much information on the merchants information such as a Address or Telephone number to contact the merchant. It had vague information such as account description. I then called chime to report the unauthorized transaction. Upon contacting chime i was asked if i lost my card i replied no that i was just reporting the unauthorized transaction abd would like to know if they can give ne a contact number for the merchant. The Agent stated that i would have to look them up since they dont have a number on the merchant. Then shev asked if sometone else in ny household has access to my card and if i had my password or pun numbers written down on a notebook or piece of paper. i replied no i have them memorized because i use my mothers birthday. Then the agent told me i would have to get a different card in the mail and cancel the existing card i had. The proceeds to open a dispute claim that was supposed to take 10 to 30 days to conclude the investigation. \nIt took them half a day to inform me that there was no error in the transaction made by the merchant after contacting them and that my claim was therefore denied and closed based on the evidence gathered in thier investigation. i then asked if i can get the phone number of the merchant name of the person they got in contact with. I was told again that i would have to request copies of the documents used to conclude my claim. which take up to 10 days to process the request. Funny how it took them 1/2 a day to conclude my claim but it takes them 10 days for them to send me the documents used to close my claim. On XXXX the XXXX i finally received the documentation request which was screen shots of my transaction history to look for patterns that shows i have used the merchant in the passs. I know i have never used or approved any type of service or purchase with the Usps. They also used mapquest to determine the distance from my address to the merchant address which i thought not relevant to a unauthorized transaction claim. So basically on top of having to proof didnt authorized the transaction i have to show proof that i didnot go to the location listed in thier document. What can i expect when they have the nerve to ask if i had any reciept to submit as evidence for my claim. Why would inhave a receipt or a invoice of something i didnot purchase or have no clue of what i am getting charged for. up to this date chime cant tell me what i purchased or subscription i got charged for. i reopened my claim only to get the same results. No solid evidence that i authorized, signed or approved the transaction. They still couldnt provide a contact number to the merchant because there was none available at the time. so based on the mapquest address i looked them up and got in contact to the usps. The Usps agent told me it would be hard to find my transaction if i did one and suggested i notify chime so they can file a dispute claim otherwise usps would not be able to help me in any kind of way. So back to where i started with chime having very little reliable information on the merchant. So i called chime to inform them what usps told me and was told to open a rebuttal claim. I was told that it would take 30 to 60 days to conclude the claim based on the type of claim i was reopening. ao pretty much was prolong my case till i go over the 60 days i have to resolve the case. i dont know how to go about this now so i am sharing my experiences with chime support team.","date_sent_to_company":"2023-08-09T07:18:06.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90606","tags":null,"has_narrative":true,"complaint_id":"7373320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-08-09T05:28:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Upon looking at my statement for the month of XXXX there was not much information on the <em>merchants</em> information such as a Address or Telephone number to contact the <em>merchant</em>. It had vague information such as account description. I then called chime to report the <em>unauthorized</em> <em>transaction</em>. Upon contacting chime i was asked if i lost my card i replied no that i was just reporting the <em>unauthorized</em> <em>transaction</em> abd would like to know if they can give ne a contact number for the <em>merchant</em>."]},"sort":[20.185276,"7373320"]},{"_index":"complaint-public-v1","_id":"14945599","_score":19.859814,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am disputing three unauthorized debit card charges totaling {$220.00}, made at XXXX locations in Ohio. I do not live in or travel to Ohio, and I was not physically present in that state at the time the purchases were made. I had my physical Wells Fargo debit card in my possession at all times and did not authorize or benefit from these transactions. \n\nI filed a fraud claim with Wells Fargo ( Claim # XXXX ), which they closed on XXXX XXXX XXXX, stating they did not detect fraud. I called to follow up on XXXX XXXX XXXX, and was told the transactions were made using the chip. However, I clearly told the first agent when filing the claim that these were fraudulent purchases, and that I have never been to the state of Ohio. Despite this, the agent submitted the claim under the incorrect description : Dont remember this transaction, which completely misrepresents what I said. I was very clear that I did not authorize or recognize the purchases. \n\nIf the chip was used and I still had the card in my possession, this would indicate card cloning or skimming, which is a recognized form of debit card fraud and should still be protected under the Electronic Fund Transfer Act ( EFTA ). \n\nWells Fargo has not provided any proof that I authorized the charges. Instead, they incorrectly categorized my claim and are now placing the burden of proof on me. I was also told Id need to contact the merchant directly to recover my money, which is not the proper resolution process for unauthorized debit card activity.","date_sent_to_company":"2025-07-29T22:23:18.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92057","tags":null,"has_narrative":true,"complaint_id":"14945599","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-29T22:09:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I was also told Id need to contact the <em>merchant</em> directly to recover my money, which is not the proper resolution process for <em>unauthorized</em> debit card activity."]},"sort":[19.859814,"14945599"]},{"_index":"complaint-public-v1","_id":"5823491","_score":19.222363,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hello, My first in counter of any fraud on my Home depot, was a email alert sent from The Home Depot Consumer Credit Card, and in this email alert, was informing me We noticed suspicious activity on your Home Depot account. \n\nExclamation Point ACTION REQUIRED This is a screenshot of that in the email sent to me from the Bank the store credit is issue from was letting my know that a Exclamation Point Review the recent activity below Hi, XXXX. Let us know immediately if you, or anyone you authorized, used your Home Depot account ending in XXXX for the transaction ( s ) noted below. You may not be able to make purchases on your Home Depot account until we hear back from you. \n\nthe amount of activity was a purchase Amount : {$1100.00} Date : XX/XX/2022 Merchant : THE HOME DEPOT Location : XXXX XXXX, CA Charge Status : Referred Amount : {$590.00} Date : XX/XX/2022 Merchant : THE HOME DEPOT Location : XXXX XXXX, CA Charge Status : Referred This was sent to me, and also asked if recognize the charge ( s ) above My response was no, and that had never ever been to location in life. California is very large state and there is area of California that I have not travel. After there investigation, It seems since they were not able to find the real criminals. The Store is not reversing the purchases back onto my count so that will be liable for payment of these unauthorized purchased that I did not due the my card was lost or stolen with out my knowledge. I I did make several attempts to explain that I would not even know about any fraudulent happen on my account if I had not received the email alert informing me of the criminal activity happen on my account. I have decided to close this account, because very disappointed how the investigation department has handle this criminal on my account. I dealing hardship with a lost of a family all during the time I'm dealing with issue. \nI would appreciate all help you can assist in fighting battle of unjust and unfair towards. \n\nThanks advance,","date_sent_to_company":"2022-07-29T16:02:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"94591","tags":null,"has_narrative":true,"complaint_id":"5823491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-07-29T15:26:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["the amount of activity was a purchase Amount : {$1100.00} Date : XX/XX/2022 <em>Merchant</em> : THE HOME DEPOT <em>Location</em> : XXXX XXXX, CA Charge Status : Referred Amount : {$590.00} Date : XX/XX/2022 <em>Merchant</em> : THE HOME DEPOT <em>Location</em> : XXXX XXXX, CA Charge Status : Referred This was sent to me, and also asked if <em>recognize</em> the charge ( s ) above My response was no, and that had never ever been to <em>location</em> in life. California is very large state and there is area of California that I have not travel."]},"sort":[19.222363,"5823491"]},{"_index":"complaint-public-v1","_id":"18431449","_score":19.114784,"_source":{"product":"Credit card","complaint_what_happened":"Late on XX/XX/XXXX, I realized that my XXXX and Citibank credit cards ( along with multiple of my credit cards ) had been used for unauthorized transactions that I did not make. This led me to believe my credit card numbers/identity may have been stolen and used without permission or authorization on purchases made via multiple foreign merchants that I did not recognize. I immediately called XXXX and Citibank to ensure the \" pending '' transactions were not paid out, because they were fraudulent and unauthorized, and the customer service representative let me know that they would put the transactions on high alert and that they would report it to their fraud department. Despite my multiple attempts to report this massive fraud, including reaching out to each credit bureau to ensure that my credit was frozen in case the scammers tried to open new accounts, XXXX XXXX XXXX and Citibank have denied multiple appeals for the nearly {$17000.00} Ive been fraudulently charged. This is despite their cancellation of certain fraudulent charges, but they both still charged me for whatever unauthorized transaction were made before the scammers hit my credit limit. These are the following fraudulent transactions made to my XXXX XXXX XXXX {$4600.00} transaction to \" XXXX XXXX XXXX XXXX XXXXXXXX '' based out of XXXX XXXX, which is a foreign merchant that is very unfamiliar to me. There was XXXX charge for {$4100.00} to XXXX, a foreign travel merchant with a US address, followed by a second transaction to this same unfamiliar foreign merchant for {$1800.00}. Citibank has now told me to stop contacting them and to stop appealing the unauthorized {$4700.00} transaction to \" XXXX XXXX XXXX XXXX  XXXX, '' which is a foreign merchant that is also charged on my XXXX XXXX \n\nI have not left the country or ordered from any foreign merchants in order to have made these transactions. I want to emphasize that I have tried everything for nearly 3 months to dispute these transactions with both entities, because I can not afford to pay for this scam charge. They have both denied my appeals multiple times, claiming that I was in possession of my cards when this occurred, which is ridiculous, considering a physical card is not necessary for these online transactions. This has been extremely distressing, to say the least, because this has happened with multiple credit cards, and most of them have dropped the charge because it is fraudulent. I also called them IMMEDIATELY to alert them that the PENDING transactions should not be paid out, because it was not made or authorized by me. I have tried everything to make sure ALL merchants were aware before the pending transactions were fully posted to my account, but XXXX XXXX and Citibank have made this process traumatizing and extremely chaotic. I also immediately reported my fraud to the local police department in the location I was in when this all happened ( XXXX XXXX, OR ), and I have attached the police report. \n\n* For the record : I am ( primarily ) a Texas resident, but I now own a home in which I spend time in in Oregon, which was where I was when this incident occurred. My husband called the local XXXX Police Department in Texas to report this fraud, but because I was located in Oregon at the time, they advised us to call my local police department. We called the XXXX XXXX Police Department in XXXX XXXX, Oregon, and I met with a law enforcement officer who took my report and let me know he would relay it to the FBI and other agencies. \n\nXXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone : XXXX Email : XXXX Police Report # : XXXX I would like the dispute to be resolved by removing it from my credit card charges. I can not afford to pay for a nearly {$17000.00} unauthorized/fraudulent transactions I did not make or authorize.","date_sent_to_company":"2026-01-12T21:59:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75093","tags":null,"has_narrative":true,"complaint_id":"18431449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-02T21:54:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["There was XXXX charge for {$4100.00} to XXXX, a foreign travel <em>merchant</em> with a US address, followed by a second <em>transaction</em> to this same unfamiliar foreign <em>merchant</em> for {$1800.00}."]},"sort":[19.114784,"18431449"]},{"_index":"complaint-public-v1","_id":"20010497","_score":17.889198,"_source":{"product":"Credit card","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Goldman Sachs Bank USA, the issuer of the Apple Card, regarding repeated mishandling of a dispute for an unauthorized charge on my account. This issue involves fraudulent use of my virtual card number, persistent reversals of provisional credits, and attempts to hold me accountable for charges I did not authorize or make. \nOn XX/XX/XXXX, an unauthorized transaction in the amount of {$220.00} appeared on my Apple Card statement. The charge was processed through a ticketing site called XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX, California. I did not authorize this transaction, nor did I make any purchases from this merchant. I reside in XXXX  Texas and have not traveled to California since XXXX, making it impossible for me to have been physically present or involved in this purchase. I believe my virtual card number was stolen and used fraudulently. \nUpon discovering the charge, I promptly disputed it with Apple Card services, which are managed by Goldman Sachs. A provisional credit of {$220.00} was initially applied to my account on or around XX/XX/XXXX, as a Balance Adjustment - Dispute Provisional Adjustment. However, this credit has been repeatedly reversed and reapplied without resolution, leading to ongoing confusion and financial strain. Subsequent adjustments include : A reversal ( debit ) of {$220.00} on XX/XX/XXXX. \nAnother credit of {$220.00} on XX/XX/XXXX, followed by a reversal on the same day. \nA credit on XX/XX/XXXX, followed by a reversal. \nMost recently, a credit applied approximately 4 hours ago ( as of my current time ), but based on the pattern, I anticipate further reversals. \nThese repeated adjustments suggest that Goldman Sachs is not adequately investigating the dispute and is instead cycling the provisional credit in a manner that attempts to shift responsibility back to me for the fraudulent activity. Despite providing evidence of the unauthorized nature of the chargeincluding my location far from the transaction site and lack of travelthey continue to deny permanent resolution in my favor. \nUnder the Fair Credit Billing Act, I am entitled to a thorough investigation of disputed charges and protection from liability for unauthorized use of my credit card. Goldman Sachss handling of this matter appears to violate these protections by failing to resolve the dispute in a timely manner and by repeatedly removing the provisional credit without sufficient justification.\n\nI request that the CFPB investigate this complaint, require Goldman Sachs to permanently credit my account for the {$220.00} fraudulent charge, cease any further reversals, and ensure compliance with federal consumer protection laws. Additionally, I ask for any applicable penalties or remedies to be imposed to prevent similar issues for other consumers. \nThe merchant was also contacted and provided me part of an email address used to make the purchase. I did not recognize the email address.","date_sent_to_company":"2026-03-05T19:22:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78552","tags":null,"has_narrative":true,"complaint_id":"20010497","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2026-03-05T18:04:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The <em>merchant</em> was also contacted and provided me part of an email address used to make the purchase. I did not <em>recognize</em> the email address."]},"sort":[17.889198,"20010497"]},{"_index":"complaint-public-v1","_id":"17832452","_score":17.8454,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/XXXX I rented a car from XXXX at their XXXX XXXX XXXX location ( Rental Record # XXXX, booked through XXXX ). I rented a XXXX XXXX XXXX, plate KY XXXX, from XX/XX/XXXX at XXXX XXXX until XX/XX/XXXX at XXXXXXXX XXXX. \n\nDuring the rental I drove from Indiana to XXXX XXXXXXXX and used the West Virginia XXXX ( XXXX ). On XX/XX/XXXX and XX/XX/XXXX I paid all tolls in cash at staffed toll booths at XXXX XXXX and XXXX XXXX XXXX in each direction. Each booth charged {$4.00} per trip, for a total of {$18.00} paid in cash. These booths do not issue receipts. I did not use any transponder, XXXX XXXX, or mailed-invoice system. \n\nAfter I returned the car, XXXX charged my credit card {$34.00} with the description XXXX CAR RENTAL TOLL. My reservation, estimate of charges, and rental agreement contain no disclosure of any toll program, XXXX service, or toll administration fees, and the local FAQ sheet for the XXXX location also says nothing about toll billing. At the counter I was not told that XXXX would bill tolls to my card or that a third-party toll processor would be used. My understanding was that I would pay any tolls in cash directly at the plazas, which I did. \n\nI contacted XXXX multiple times ( emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) disputing the charge. I specifically requested : the name of the tolling agency or toll XXXX that billed XXXX, the date, time, and location of any alleged tolls, a copy of the invoice showing what was billed to XXXX, and any contract or disclosure showing that I agreed to have tolls billed through XXXX or a third-party service. \n\nXXXX has not provided any of this documentation. I have only received automated responses and XXXX reply asking me to repeat the amount of the toll charge. They have never shown proof that any toll was billed to them for my rental or that I ever agreed to this toll program. \n\nI also disputed this transaction with my credit card company ( XXXX ), but the dispute was denied because XXXX is a recognized merchant and these are normal fees associated with them. \n\nI believe this {$34.00} toll is an unauthorized, undisclosed post-rental fee added to my credit card without my consent. My credit card issuer said the charge was from a legitimate merchant, but XXXX has not proven that this specific charge was authorized or properly disclosed.","date_sent_to_company":"2025-11-25T18:44:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"46038","tags":null,"has_narrative":true,"complaint_id":"17832452","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-25T18:15:44.000Z","state":"IN","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I also disputed this <em>transaction</em> with my credit card company ( XXXX ), but the dispute was denied because XXXX is a <em>recognized</em> <em>merchant</em> and these are normal fees associated with them. \n\nI believe this {$34.00} toll is an <em>unauthorized</em>, undisclosed post-rental fee added to my credit card without my consent. My credit card issuer said the charge was from a legitimate <em>merchant</em>, but XXXX has not proven that this specific charge was authorized or properly disclosed."]},"sort":[17.8454,"17832452"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":48,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":48}]}},"product":{"doc_count":48,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":19},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit card","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":15}]}},{"key":"Money transfer, virtual currency, or money 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