{"took":147,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":198,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9832622","_score":13.654268,"_source":{"product":"Credit card","complaint_what_happened":"I charge approximately {$100000.00} per year on various Citi accounts. I may not be Citi 's largest customer but I am surely above average. I ask no special favors. I ask only the minimum level of service Citi advertises. Instead I get harassment over matters outside my control. We use this particular card in my firm for business purchases. A member of my staff told me there was some security problem, and I would need to verify some security information. I did so over the phone with the bank 's representative. A couple of days later, I noticed the website still showed an alert warning on the account. I called the number given and fought my way past recordings, robots, foreign languages and a couple of on-holds and dropped calls. Finally, I reached an agent, but she offered no help at all. She could not explain why the alert was still in place or what I should do about it, if anything. It was a complete waste of my time. She told me a letter would be coming to me in the mail to address the matter. A letter? In the XXXX century? I asked her to explain and resolve it now. She refused and attributed this \" procedure '' to \" management '', so I asked to speak to management. A woman named XXXX responded. She asked about a single fraudulent transaction that I had already reported earlier. She acknowledged I had reported the item as fraudulent, but she said the bank had not acted on it. I objected to this harassment over a matter that had already been resolved. She said a new card would be sent in 5-7 business days. I told her that is exactly the same thing I have been told before, and I resented having my time wasted with repetitive alerts and calls on the same matter. It is evident that Citi does not care if it wastes customers time.","date_sent_to_company":"2024-08-17T22:24:47.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"46226","tags":"Older American","has_narrative":true,"complaint_id":"9832622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-17T21:56:10.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["A couple of days later, I noticed the website <em>still</em> showed an alert <em>warning</em> on the account. I called the number given and fought my way past recordings, robots, foreign languages and a couple of on-holds and dropped calls. Finally, I reached an agent, but she offered no help at all. She could not explain why the alert was <em>still</em> in place or what I should do about it, if anything. It was a complete waste of my time. She told me a letter would be coming to me in the mail to address the matter."]},"sort":[13.654268,"9832622"]},{"_index":"complaint-public-v1","_id":"21413877","_score":13.534576,"_source":{"product":"Credit card","complaint_what_happened":"So I have a Chase sapphire preferred credit card for 3 years. Never missed a single payment, not one. Usually my payment is due every XXXX of the month. I go to the grocery store on XXXX XXXX. I pay with the sapphire card and it says insufficient funds. I go alright, maybe their machine doesn't work because i did not max out the card. I go to check on chase mobile app and it says i missed a payment 6 days ago. I do not recall missing a payment, I made a payment for chase freedom flex. Usually i pay those together. Maybe i made a mistake, maybe i forgot, I'm a human being honest mistakes will happen, I'm not perfect. Never got an email, an alert, a text, nothing. I got an email that i have a bill due next month, XX/XX/XXXX which i assume usually means i paid for this month. So once I see why my card is locked, I pay immediately. They added all these extra fees, late fee and what not, Thats fine. I paid the minimum they asked for. I see that my credit line has decreased by {$4000.00}. It was originally {$8200.00} and now it is {$4200.00}. When I called on the phone they claim \" sorry for your inconvenience, there's nothing they can do. '' Thats all I got. I have never missed a single payment in 3 years. Not one. I got no message no alert. No warning, I need at least a warning. On the phone, they said they decreased the limit on XX/XX/year>. 5 days to decrease the limit of someone who's never missed a single payment is extremely aggressive. I'm still looking to see if I missed something. This is not right. I also have chase checking and savings account. Like at least try to call me or something. Like give me a chance. 5 days and credit card limit slashed. 3 years of always paying on time and a lot of times above the minimum. Now before I forget, I do owe {$3800.00} on that cedit account but so what. Im still not halfway there. Ive maxed it out two years ago and paid it in full, it reached XXXX. My monthly spending isn't even that crazy. So I dont understand why Chase would not at least make the effort to contact somebody first. A warning would have been nice. But I'm hearing this is the norm for chase. Not even a full week, 6 days. Only found out going to the grocery store. There has to be a grace period.","date_sent_to_company":"2026-04-20T20:48:54.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"21413877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-20T20:17:35.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["I <em>have</em> never missed a single payment in 3 years. Not one. I got no message no alert. No <em>warning</em>, I need at least a <em>warning</em>. On the phone, they said they decreased the limit on XX/XX/year>. 5 days to decrease the limit of someone who's never missed a single payment is extremely aggressive. I'm <em>still</em> looking to see if I missed something. This is not right. I also <em>have</em> chase checking and savings account. Like at least try to call me or something."]},"sort":[13.534576,"21413877"]},{"_index":"complaint-public-v1","_id":"3326592","_score":12.645885,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Capital One adjusted all the due dates and autopayment dates without prior warning, forcing customers to adopt a new due date chosen by Capital One. While they are offering the ability to then select a new due date, that request can take 1-2 billing cycles to become effective. However, the consumer is still required to make payment on the arbitrary date chosen by Capital One. Many consumers, including myself, schedule our payments around a predictable paychecks and other infusions of cash and in this situation, the arbitrary due date falls in between pay checks when available cash is lowest and moves the due date forward by one pay check cycle requiring me to skip paying other creditors in order to pay Capital One or not pay Capital One.\n\nI have a 100 % payment record on all my debt, including two accounts at Capital One, but this situation threatens my ability to make at timely payment on the Capital One the due day they chose while waiting for the request to be processed for a due date that will be aligned with my pay cycles ( as it was prior to their forced change ) I spoke to a supervisor at Capital One and after explaining the above, asked to move the upcoming date that they imposed, but she refused and stated they understood this was a inconvenience for me but I still had to pay by their due date with the implication that if I didn't, I would lose my perfect credit history with Capital One and the credit reporting agencies causing irreparable financial harm. \n\nI am sure that I am not the only consumer harmed by Capital One 's actions in this situation as millions of consumers live week-to-week and take great pains to balance cash flow so that their debts are paid on time as agreed with their creditors.","date_sent_to_company":"2019-08-01T17:44:58.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"137XX","tags":null,"has_narrative":true,"complaint_id":"3326592","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-08-01T15:49:06.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I <em>have</em> a 100 % payment record on all my debt, including two accounts at Capital One, but this situation threatens my ability to make at timely payment on the Capital One the due day they chose while waiting for the request to be processed for a due date that will be aligned with my pay cycles ( as it was prior to their forced change ) I spoke to a supervisor at Capital One and after explaining the <em>above</em>, <em>asked</em> to move the upcoming date that they imposed, but she refused and stated they understood"]},"sort":[12.645885,"3326592"]},{"_index":"complaint-public-v1","_id":"8294057","_score":12.281148,"_source":{"product":"Credit card","complaint_what_happened":"This is what happened and I need to be protected because I never made a purchase for {$110.00} and I've tried to show Discover all kinds of evidence. \n\nXX/XX/XXXX I got {$11.00} of gas with a chip charge at gas pump # 1. \nImmediately after, as I have an alert on my card for charges above {$50.00}, an alert warned me that my card had been charged {$110.00}. \nI called Discover customer center, explained what happened, and asked to block my card. \nEnd of XXXX, XXXX I received my account summary and I saw {$110.00} in my charges. \nXX/XX/XXXX I called Discover 's billing dpt. and a dispute case ( # XXXX ) was opened. Nobody told me that it was not a dispute but a fraud case. \nEnd of XXXX, XXXX On my statement there was still a charge for {$110.00}. \nXX/XX/XXXX I called Discover 's billing dpt. -- they have no news and told me that my dispute case was a big inconvenience because it should have been handled by the fraud dpt from the onset. \nI called the fraud dpt. and they opened a case ( # XXXX ) End of XXXX The charge of {$110.00} is still on my statement. \nXX/XX/XXXX I called the fraud dpt. and I was told that it was obviously a fraud and that theyd close the case. \nXX/XX/XXXX I decided to close the card account and paid all charges made by me ( as I have always done ). \nEnd of XXXX I still saw {$110.00} on my statement. \nXX/XX/XXXX I called the fraud dpt for an explanation and I was told that I was responsible for the {$110.00} charge unless I could provide new evidence. \nXX/XX/XXXX I received a letter from customer protection services, informing me that my dispute ( wasnt it fraud and not a dispute??? ) has been closed and that without additional information they can not reinitiate the investigation and that they will report my replacement account as disputed to 4 credit reporting agencies. \nXXXX XXXX I called the customer protection service and asked to talk with a supervisor, but I was told that no one was available and theyd call me back within 48 hours. Nobody ever called back. \nXX/XX/XXXX I decided to go to the gas station and ask for the video tapes so that I could prove that I never went inside the merchandise store and that I only made one transaction at the pump. On the pump # 1, the one I used, there was a warning not to use credit cards. I went inside the store and asked since when the pump has had this warning, and they told me since the summer. I took pictures. \nXX/XX/XXXX Between the XXXX and XXXX XXXX Holidays, I called several times in order to get an email address to which I could send my new documentation but either I got disconnected or whoever answered my calls didnt know of any email. Only on XX/XX/XXXX, I was given a fax number and the Discover employee explained that they have no emails. She promised that she would file a complaint on my behalf. \nXX/XX/XXXX From my bank I faxed the new evidence ( pictures of the gas pump included ) and the transmission was \" successful ''. \nEnd of XXXX The charge of {$110.00} plus {$2.00} of interest was on my statement. I called the Discover 's fraud dpt and was told that the fax dpt had not brought them any fax. \nXX/XX/XXXX I resent the fax from my bank and the transmission was \" successful ''. \nXX/XX/XXXX I received my new statement and now I have still a {$110.00} charge, plus {$2.00} interest, and {$30.00} late fee.","date_sent_to_company":"2024-02-06T23:39:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"8294057","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-02-06T22:42:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XX/XX/XXXX I received my new statement and now I <em>have</em> <em>still</em> a {$110.00} charge, plus {$2.00} interest, and {$30.00} late fee."]},"sort":[12.281148,"8294057"]},{"_index":"complaint-public-v1","_id":"15008116","_score":11.793594,"_source":{"product":"Credit card","complaint_what_happened":"Yes I was only already fully verified, threw the only verification that they asked for, which was two trial deposits, they then asked for further verification which I supplied and successfully verified, which was with my driver 's license. After completing every form of verification, I was busy working and they consistently kept contacting me after already verified and they said my account is being unlocked. They kept harassing and harassing violating my rights and then wanted to do a three-way call when they can already see the account is in my name. This is beyond unacceptable. I'm warning to press charges, but the main outcome I wish to be is I just want my account unrestricted and everything could be dropped. It's very rude and disrespectful of them to violate their own Terms & Conditions in the privacy act, and verification methods in their terms and conditions. Its a closed cut case.I have reviewed the offer and/or response made by the business in reference to complaint ID XXXX, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. The reason for this, is they gave an unprofessional response and apparently did not at all acknowledge my complaint. They took XXXX dollar out of my XXXX  account ending in # XXXX on XX/XX/XXXX, that I more than verified in their terms and conditions with ID and trial deposits, and as well notified me before any transfer was made, your external account is confirmed and ready and available for transfers. Then on XX/XX/XXXX, they took XXXX and on XX/XX/year>, as you can see the image my current and available balance in Capital One is XXXX and XXXX  is still linked. So I repeat, why are they trying to steal from me? No, I am not trying to link an account to add money to my balance, I already have a XXXX balance and an account linked. Tell me, are they this slow in the head? The response they gave was a 2nd grader elementary school response. They do not belong in the financial world, if they are that far behind academically. This is upsurd .. so then I went above and beyond and they told me to send them even more verification, for the credit card, in the document upload email, which was my I. D., front and back, with proof of address, my SS card, and bank statement, and I did all that and sent in 3 years of my taxes from tax returns prior, from h and r block and they still have not gotten back to me. So now this has become one thing..... one hundred percent harassment.","date_sent_to_company":"2025-07-31T08:00:39.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"98106","tags":null,"has_narrative":true,"complaint_id":"15008116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-07-31T06:32:38.000Z","state":"WA","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["This is upsurd .. so then I went <em>above</em> and beyond and they told me to send them even more verification, for the credit card, in the document upload email, which was my I. D., front and back, with proof of address, my SS card, and bank statement, and I did all that and sent in 3 years of my taxes from tax returns prior, from h and r block and they <em>still</em> <em>have</em> not gotten back to me. So now this has become one thing..... one hundred percent harassment."]},"sort":[11.793594,"15008116"]},{"_index":"complaint-public-v1","_id":"6875141","_score":11.388738,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm XXXX XXXX XXXX XXXX XXXX XXXX and considered XXXX by The State of Florida. I purchased a brand new XXXX XXXXXXXX XXXX  and a tree fell on it during one of our storms in Florida. I was under XXXX warnings. I had full coverage, I purchased XXXX XXXX. It took the insurance company four months to close out the loan. As the car sat in the shop undrivable I was in touch with XXXX XXXX many times because they wanted payment for a car that was TOTALED. I repeated my story 100 times but they kept calling. The problem is when I call they refuse to email me the information or help me with my XXXX XXXX. Company policy that they can't email me. This is after me crying on the phone begging them to help me. 4 months and no car, all I needed was helping closing out my XXXX XXXX so they could receive payment. Instead they still call me asking for payment and then put it on my credit. I struggling to buy a car now due to this. It looks like I didn't pay my loan. When call I get I'm sorry I can't help you and they transfer me and I explain my hearing please dont tranfere me to another voice I might not hear, but they do. I have a XXXX XXXX XXXX XXXX XXXX XXXX so I'm XXXX XXXX XXXX XXXX XXXX. Instead of someone treating me like a human and going a step above they ruined my credit and this violates my ADA rights as well. I'm struggling and I begged and cried for help and repeated myself PLEASE document that I'm hearing impaired. They are always clueless when they call.","date_sent_to_company":"2023-04-23T13:05:36.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"6875141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2023-04-23T13:05:34.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Instead they <em>still</em> call me <em>asking</em> for payment and then put it on my credit. I struggling to buy a car now due to this. It looks like I didn't pay my loan. When call I get I'm sorry I can't help you and they transfer me and I explain my hearing please dont tranfere me to another voice I might not hear, but they do. I <em>have</em> a XXXX XXXX XXXX XXXX XXXX XXXX so I'm XXXX XXXX XXXX XXXX XXXX."]},"sort":[11.388738,"6875141"]},{"_index":"complaint-public-v1","_id":"8984879","_score":11.363893,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I have received XXXX letters from your TransUnion branch XXXX as above. I have tried to recover my identity after receiving XXXX identity theft report and determined to communicate only with headquarters of corporations. I have received the credit report of thy company prepared on XX/XX/XXXX. Also, I received a letter from above mentioned branch, which asked me to contact another branch addressed XXXX box XXXX, XXXX, PA XXXX with file number XXXX. I am not sure what is the dispute in concern clearly since I am dealing with many issues due to the identity theft. Or it might be relating with the filing to the XXXX XXXX of New Jersey, XXXX. Honestly, I do not know why I have been asked to file. I did because the court had sent me the packet with documents to be filed with fee. I submitted the fee by check. From my viewpoint, almost half a year passed. Once the clerk of this XXXX XXXX contacted by emails. And there were notice of the courts and I tried to open the files on PACER. Honestly, I made the mistake to crate my own account of PACER and ended up not to be able to open the account ( XXXX ) whatever might exist. I have told by email from PACER to call, but then, I was almost traumatizing by the unwanted calls from the summer of last year, XXXX, and still do not like the calls. Therefore, I do not try to recover my account of PACER. The clerk or whoever of the XXXX XXXX and the Attorney of XXXX New Jersey sent me to ask the help/advise of attorney. Due to my ignorance as a XXXX, I did not know the attorney meant lawyer. From the beginning, the clerk of the XXXX XXXX said XXXX XXXX, I strongly believed everything should be done by myself. And almost all correspondence by XXXX to the Attorney of XXXX New Jersey were forwarded back ; therefore, recently I re-forwarded these envelops to the office with new letters in the large envelops. The filing to the XXXX XXXX was XXXX vs. TransUnion. I asked the explanation later why I was filed with your company in vain. From the beginning, I can not understand why only my first name was written on that against XXXX cooperation. Then, I asked somebody, maybe the clerk of the XXXX XXXX why there was no family name. I considered the reason might be that my husband and I had different family names, but legally married in the United States. And this is written in my XXXX registration. Anyway, there is no explanation and I have been dealing with XXXX, XXXX, and Early Warning. \nThe issue with your company is why I am asked to purchase the XXXX XXXX. From the beginning, I expressed the question why XXXX suggests it and your company does not. I asked several times in the past. Then, I received the credit report with the comment of not purchased at the XXXX XXXX. Since I already have the question on the meaning of credit reports of the credit companies, which I related for these months, now, your company mentions to buy the credit scores. In the past, I was explained that the XXXX XXXX of the United States is meant to build up by working and paying the debts of credit cards. Now your letter says to purchase ; then, the people can buy the XXXX XXXX. Then, I just ask you the XXXX XXXX of the United States is purchasable by money. Even though I feel no companies of your credit report companies would explain the purpose of this XXXX XXXX system in the United States, I dare to ask what the purpose is to have this system. Or it might be the purchasable because of those who need the XXXX XXXX after the bankrupt or other financial reasons. Anyway, as XXXX victim of identity theft, I disdain that. \nSincerely,","date_sent_to_company":"2024-05-11T11:47:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"8984879","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-11T11:43:03.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Anyway, there is no explanation and I <em>have</em> been dealing with XXXX, XXXX, and Early <em>Warning</em>. \nThe issue with your company is why I am <em>asked</em> to purchase the XXXX XXXX. From the beginning, I expressed the question why XXXX suggests it and your company does not. I <em>asked</em> several times in the past. Then, I received the credit report with the comment of not purchased at the XXXX XXXX."]},"sort":[11.363893,"8984879"]},{"_index":"complaint-public-v1","_id":"3147480","_score":11.329993,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I had leased a XXXX XXXX XXXX from GM Finance. I returned the car at the end of the lease period XXXX XX/XX/XXXX ). I made ALL OF MY LEASE PAYMENTS ON TIME during the lease period. There was NO PAYMENT DUE when I turned in the car. \n\nMy GM Finance account, however, continues to remain open and I continue to get billed every month, even after the car has been returned and I no longer own the car. I verified with the dealership where I returned the car - they did send my car return paperwork to GM Finance. They even resent it in my presence. \n\nSince I have not been paying these post-car-return \" bills '' which are accruing for no reason, my account is now wrongly deemed DELINQUENT. If that was not bad enough, GM Finance has reported my account to the Credit Agencies as DELINQUENT!! \n\nThe above has negatively impacted my CREDIT SCORE and has affected my ability to get mortgage for a house I am in the market to purchase. \n\nI have called GM Finance Customer Service NUMEROUS TIMES. Additionally, I have submitted complaints from the GM FINANCE Website and through Customer Service emails. I have also asked for help through GM FINANCE XXXX page. \n\nThe Customer Service Agents I talk to one the phone seem powerless to do anything and \" we will forward your case to the right department '' is the stock answer. Emails to customer service and complains submitted from GM Financial website are not responded to at all. \n\nAfter more than a month of trying to get my account closed, I have not been successful. The account is still open and I get warning letter from GM Finance Collections Department about supposedly \" overdue '' bills. \n\nI need GM Financial to close my account and take steps to fix my credit score urgently.","date_sent_to_company":"2019-02-09T05:41:36.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"94536","tags":null,"has_narrative":true,"complaint_id":"3147480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2019-02-09T04:57:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Excess mileage, damage, or wear fees, or other problem after the lease is finished"},"highlight":{"complaint_what_happened":["After more than a month of trying to get my account closed, I <em>have</em> not been successful. The account is <em>still</em> open and I get <em>warning</em> letter from GM Finance Collections Department about supposedly \" overdue '' bills. \n\nI need GM Financial to close my account and take steps to fix my credit score urgently."]},"sort":[11.329993,"3147480"]},{"_index":"complaint-public-v1","_id":"17139944","_score":10.780441,"_source":{"product":"Mortgage","complaint_what_happened":"This eMail was sent ( and received ) by XXXX XXXX, President/CEO, TD Bank XXXX XXXX XXXX, Ive had XXXX with TD Bank since 1997. My wife also has accounts with XXXX. \nIn late XXXX, I made a final payment on a home equity loan ( account ending in XXXX ). Receipt of the {$1000.00} payment was acknowledged by your XXXX XXXX, XXXX XXXX XXXX, along with closing costs of {$100.00} ( paid ). Aside : somehow the XXXX fee of {$100.00} had accrued interest of {$2.00} from XXXX XXXX. \nA copy of XXXX XXXX XXXX XXXX letter is attached. Bank XXXX XXXX confirmed the {$1000.00} check was paid on XXXX XXXX ( I have the canceled check ). \nOn XXXX XXXX, in checking my on-line accounts. The XXXX account still showed me owing {$1000.00} plus an additional {$30.00} ( late fee? ). I sent a message through your AI portal asking why. The reply I was received was typical AI when it cant answer a question -- -in this case, call billing. \nOn XXXX XXXX, I also received a phone call from XXXX of your bill XXXX. Very aggressive ( to XXXX XXXX of rudeness ) interrogating me of when I was going to pay the overdue {$1000.00}. Discussion was near impossible with this person ( I see why you hired her ), but I finally read XXXX XXXX letter to her. Her response : Oh. After a few more exchanges, she transferred me to your billing department, XXXX. After some discussion, XXXX finally went to my account. Her response : Oh, there it is. I wonder how Collections was told that you hadnt paid it? \nOn XXXX XXXX, I received a Late Notice for the {$1000.00}, and a threat that if I didnt pay up TD would contact credit bureaus and this could affect my credit rating. Note -- -this warning was 23 days -- -over XXXX weeks -- - AFTER TD had cashed my check for {$1000.00}. \nOn XXXX XXXX, I received another invoice from TD Bank claiming I still owed you {$1000.00}. \nOn XXXX XXXX, I received a letter from your assistant ( Hope AVP, Customer Experience Advocate ) confusing the issue further by saying that the {$1000.00} paid on XXXX XXXX had been put into an unapplied portion of my account until the remaining {$100.00} was paid. So, in essence, given all of the above actions by TD, my money was in never-never land? \n________________________________________ I can provide all copies of correspondence for the above.","date_sent_to_company":"2025-11-10T21:16:16.000Z","issue":"Closing on a mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"17139944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-11-10T20:41:34.000Z","state":"MA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue with the loan closing"},"highlight":{"complaint_what_happened":["Bank XXXX XXXX confirmed the {$1000.00} check was paid on XXXX XXXX ( I <em>have</em> the canceled check ). \nOn XXXX XXXX, in checking my on-line accounts. The XXXX account <em>still</em> showed me owing {$1000.00} plus an additional {$30.00} ( late fee? ). I sent a message through your AI portal <em>asking</em> why. The reply I was received was typical AI when it cant answer a question -- -in this case, call billing. \nOn XXXX XXXX, I also received a phone call from XXXX of your bill XXXX."]},"sort":[10.780441,"17139944"]},{"_index":"complaint-public-v1","_id":"21119776","_score":10.469461,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I was a vendor at an event located in XXXX XXXX. I arrived around XXXX XXXX and asked the event staff about where to park. They had told me to park on their side of the wall. I had a follow-up question about the no-parking signs, and they said it was okay to park there, since the tenant had been permitted to park for the day of the event. \n\nAround XXXX XXXX, we were notified that cars were towed. I checked, and mine was gone. I talked to the tow truck driver and asked why he towed my car, to which he said the store I parked in front of called him to tow away cars parked there, citing signs. These signs were made of paper, with no time or date stamp, no real way of knowing who put them up, or for how long someone could park there, and were put up well after I had parked there. The tow truck driver made no mention of the other signage and only referred to the paper signs. They gave no warning and no time to move my car. \n\nThe other permanent signs also had no time stamp, no date stamp, and no indication that anyone wasn't allowed to park in that area. \n\nI was forced to pay the {$530.00} under XXXX  and XXXX  ; I would have lost my car, as there was no reasoning with the tow truck driver. \n\nIf I had been given enough time, notice, proper signage, and information, I would have prevented my car from being towed, as I wouldn't have parked there in the first place. I did not make a conscious, malicious decision to park in front of someone's property to spite and ignore their rules. \n\nI made this case with XXXX XXXX XXXX  which did not adhere to my argument. They claimed that because there was a payment receipt, the transaction was valid, without considering the above. From the 2nd letter that included their 1st decision, the Merchant offered illegible documents, which the phone representative, whom I called on XX/XX/XXXX, could not read either. I have made an appeal citing legal requirements that were not given to me at the time, and they still sided with the tow company. They waved me off the deal, told me to handle it outside of XXXX, and sought payment from the property owner, tenant, and event organizer. XXXX has a duty to protect its consumers, and it has failed me. \n\nIn summary, this was a coerced forced payment to a predatory business that could have been prevented altogether had there been proper signage. I should not have to pay because a business failed to fulfill its responsibilities to maintain its parking spaces and rules.","date_sent_to_company":"2026-04-10T05:54:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90057","tags":null,"has_narrative":true,"complaint_id":"21119776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-10T05:46:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["They claimed that because there was a payment receipt, the transaction was valid, without considering the <em>above</em>. From the 2nd letter that included their 1st decision, the Merchant offered illegible documents, which the phone representative, whom I called on XX/XX/XXXX, could not read either. I <em>have</em> made an appeal citing legal requirements that were not given to me at the time, and they <em>still</em> sided with the tow company."]},"sort":[10.469461,"21119776"]},{"_index":"complaint-public-v1","_id":"4407586","_score":10.204948,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I entered into a contract per XXXX XXXX in XXXX Tx for an amount of {$2400.00} to be paid to Synchrony Care Credit interest free for 2 years. This was my verbal understanding. \nI received initial documents from them, which I can now see quoted an expiration date of XX/XX/XXXX for the interest deferment. As I am a XXXX, who has had three XXXX  surgeries ( at that time I was XXXX, and had not yet had the XXXX  surgeries, so with greater impairment ), I still relied on my verbal understanding, since the print on the statement is too small for me to read. \nI set up autopayment in an amount that would have the debt paid off in the 2-year term I believed I was working with.\n\nMy contact with Synchrony has been by email which stated the expected balance each month and led me to believe I was on track to pay the full sum in a timely manner. \nAfter my XXXX payment I received the usual email, but this one stated a balance of double what I believed I owed. \n\nUpon logging into my account, I could only see the following : This was the weekend, and no customer service is available until regular business hours. I called first thing Monday morning and was told that my promotional offer had expired and I had been charged the above outrageous interest charge and that I should have seen a warning on my statement. \nThe monthly email does NOT contain the statement or a link to it. If I use the link and log on I get this confusing screen that does not easily lead me to the statements. \n\n\nHaving this screen which has statements in the smallest font at the bottom of the screen, virtually obscured by the View Credit Score box, its easy to see that I relied on the email and my understanding of the term and never drilled down on the statement. \nAfter instructions from the Customer Service employee, I found the statement and can see that there was a warning that the promotion was about to expire, but I would never have found it without said instruction and certainly never thought this was an urgent issue, since I was making no purchases and had no reason to think there was a problem. \nIf the lender was interested in transparency, there should have been a warning on the monthly email that I would incur this interest charge after XX/XX/XXXX certainly on the XX/XX/XXXX email if no other. However, I believe it was their goal and design to hide the impending charge from me, so that they could hit me with a gotcha penalty, six months before the amount was fully paid. \nIn my conversation with the bank, I was told that I should have asked them to send me a paper statement if I could not see the statement online, but again, I had no reason to believe that there was an issue. \nI immediately paid the reaming due {$600.00} from the original loan and am requesting that the interest charges be waived, or at least substantially reduced based on what I believe were deliberately deceptive practices to keep me unaware of the impending charge, therefore incurring an astronomical interest rate. \n\nUpon writing this, I have seen that there was a small additional amount over {$600.00}, so have paid an additional {$10.00} to cover. \n\nI should also mention that I have an excellent credit score ( over 800 ) and would never incur rates such as this. \nDid I make a mistake in not scouring each document, month by month? Yes, but I submit that a good faith institution would have communicated the danger openly, rather than hiding it under layers of fine print and difficult to locate documents. \nI believed Synchrony to be a reputable institution, having been led there by my doctor and having seen it elsewhere, and based my good faith actions on that trust. Unfortunately, that trust was misplaced, and they are merely another mob of opportunists, operating under cover of technical legality, while using tactics to assure them the greatest level of income without regard for whom they are robbing to get their questionable gains. \nAgain my request here is to have the usurious interest charge removed I have fully paid my original balance, or at the very minimum to reduce it to a reasonable rate commiserate with my credit score.\n\nPlease let me know if there are addition actions or items needed to further this request. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX","date_sent_to_company":"2021-05-26T15:14:03.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"78748","tags":"Older American","has_narrative":true,"complaint_id":"4407586","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-05-26T15:07:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["I called first thing Monday morning and was told that my promotional offer had expired and I had been charged the <em>above</em> outrageous interest charge and that I should <em>have</em> seen a <em>warning</em> on my statement. \nThe monthly email does NOT contain the statement or a link to it. If I use the link and log on I get this confusing screen that does not easily lead me to the statements."]},"sort":[10.204948,"4407586"]},{"_index":"complaint-public-v1","_id":"6246501","_score":10.203307,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XX/XX/2022, I went to forever 21 at XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX, which is in XXXX XXXX XXXX. Forever 21 issued me a forever 21 credit card without my knowledge, which I didn't want. As I went for billing, they kept on insisting to get a membership account which I denied specifically. Then they told me that I will get 40 % discount if I get a membership and didn't mention that it was a credit card. They asked me for my Name, Phone Number and Email id to get just a membership which will avail me 40 % discount on my current purchase and 20 % discount on thereafter purchases. They did not accept my card at that moment and asked me to pay the outstanding bill via account which they created with my above mentioned information. They specifically told me that it is not possible to complete the payment today and I have 30 days to do the payment via account. They told me that I will receive an email and a bill for this purchase on which I will have to do the payment. Once I reached home I tried to do the payment through the forever 21 website but there was no place where I could find the same. So, I called forever 21 customer care and they told me that I was given forever 21 visa credit card membership and provided me with the information of the credit card portal for payment. I was told that I will be able to do the payment once I receive the bill. I received the bill in the XXXX week of XXXX via mail and I did not receive any email of the bill. After receiving the bill, I tried to login and pay the bill but I still hadn't received the login credentials so I called the forever 21 customer care, they diverted me to finance department and then I told them that I have a bill but I don't have any login credentials, the finance department told me that the bill has a number in the bottom which is my account number. Then they asked me to login with that account number and last four digit of my SSN but it didn't work and till date I am not able to login. As a matter of fact, I still haven't received a credit card from them. I have called them many times for not receiving any credit card but they said that I will receive it soon which I never did. I only received a bill. I tried many times to complete the payment but to login I didn't receive any login credentials. I tried too many times but it was not logging in. Then I again called customer care and had a chat with them that due to this technical error, that I am not able to login, I am unable to do the payment. There was a option to pay online in the customer care of the credit card department call. They asked for all of my debit card detail as they did not accept credit cards for the payment, which I provided, and finally the payment was complete but did not receive any email of the same. I called them many times to shut the credit card but to no avail. Then after two months I started receiving calls from a COMENITY BANK stating that I have late fees on the credit card for two months and they started mentally harassing me for the same. They would not listen to me and start yelling on the call saying that I owe them money. They give me warnings on phone stating they have my SSN and they will take action against me and there will be consequences. I called the forever 21 customer care for the same but they said that it is not there area of concern and I will have to deal with this bank myself. From last month they have been calling me continuously from different numbers and harassing me.","date_sent_to_company":"2022-11-26T21:16:18.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"11432","tags":null,"has_narrative":true,"complaint_id":"6246501","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2022-11-26T21:08:15.000Z","state":"NY","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["They <em>asked</em> me for my Name, Phone Number and Email id to get just a membership which will avail me 40 % discount on my current purchase and 20 % discount on thereafter purchases. They did not accept my card at that moment and <em>asked</em> me to pay the outstanding bill via account which they created with my <em>above</em> mentioned information. They specifically told me that it is not possible to complete the payment today and I <em>have</em> 30 days to do the payment via account."]},"sort":[10.203307,"6246501"]},{"_index":"complaint-public-v1","_id":"16884938","_score":10.139965,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have had a continued dialogue with Citi about XXXX and the fraudulent activity that has taken place in my account since XX/XX/year> when the incident occurred. Yesterday, I was partially reimbursed for the money that was stolen out of my account and now the Compliance team is purporting to claim a distinction between the \" types '' of XXXX transaction where they refuse to return the remainder of the funds stolen out of my account ( which is the bulk of the outstanding amount : I was reimbursed ~ {$970.00} out of {$2400.00} ). The bank is trying to make this issue go away with \" partial restitution '' as a compromise to go away and be quiet. \n\nThe money from my account was taken on XX/XX/XXXX with several transactions totaling {$2400.00} ( under the grand larceny threshold ). Apparently from what I've been told, there is a \" code '' in the back end of the XXXX system to distinguish what I should and shouldn't be compensated for, for which I have not receive an explanation. At the time of the incidents, I was in distress and told that funds were being stolen from my account so when asked to verify XXXX amounts with \" codes '' that were given to me by the perpetrators, you can imagine I would follow instructions for fear of the situation getting worse. Because there is a \" warning alert '', Citi is telling me that I am liable for the funds being removed? That alert is a strong enough protection for Citibank consumers? When you're under attack and your cash accounts are vulnerable, you will take any action necessary to come to a resolution. Being told to input codes into the XXXX system does not seem like a red flag when I'm literally being told by Citi itself that there are certain codes in the back end that distinguish the types of transactions being made in XXXX and whether restitution is an available avenue to the consumer. The perpetrators masked themselves as fraud monitors, a common practice. They had and still have my information. \n\nLastly post my complaint, now there are error messages related to the phone numbers of the perpetrators on my XXXX account that say the phone number/person can not receive funds via XXXX. At what point was that alert put on? \n\nDespite the facts laid out above, Citi is telling me I'm at my fault for authorizing the removal of funds. All I am asking for is what was stolen from me, which is further supported by a police report I obtained and provided to the bank ( which has still not been acknowledged as received ), numerous conversations I've had with several employees at Citi, ( from wealth management to branch managers ) and the numerous CSFB complaints I've made. \n\nThe banking system of our country is a complex one. I am a former Citi compliance officer and I can tell you that I am appalled and dismayed at how I have been treated, the incompetence of how my claim has been handled, and the lack of transparency and communication that has been purposefully misleading to me as a consumer. \n\nIt appears from all the fraud occurring on XXXX that perhaps the banking industry needs to strongly reconsider its purpose and the integrity of this \" safer '' system.","date_sent_to_company":"2025-10-29T04:36:26.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"10009","tags":null,"has_narrative":true,"complaint_id":"16884938","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-10-29T03:53:48.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["They had and <em>still</em> <em>have</em> my information. \n\nLastly post my complaint, now there are error messages related to the phone numbers of the perpetrators on my XXXX account that say the phone number/person can not receive funds via XXXX. At what point was that alert put on? \n\nDespite the facts laid out <em>above</em>, Citi is telling me I'm at my fault for authorizing the removal of funds."]},"sort":[10.139965,"16884938"]},{"_index":"complaint-public-v1","_id":"7448330","_score":10.048498,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"hi I have a lease with XXXX XXXX and XXXX XXXX XXXX my car was stolen in XX/XX/XXXX and my insurance company XXXX were suppose to pay the car being I was full covered the insurance company athru my auto body shop sent XXXX full check minus XXXX dollars they did not cover saying it was for storage and towing .XXXX  contacted me and then I told them I will call insurance and auto body shop told me that since am In New York State residence insurance thru a program called gap insurance will pay and for me to wait and not have to pay. I contacted XXXX back and they have it in recording which I requested to be mailed to my house in XX/XX/XXXX and advised matter is being handled me and my auto body working with insurance company to get them payment .I asked if my credit my in danger and they said no .they have a copy or recordings .then they we spoke again in XXXX or XXXX XXXX told them am working with insurance company for payment .then contrary to what they told me and with no warning or mailing me or emailing me to tell me to pay or sending me to collections opposite of what they told me on the phone they send me to collections and messed my credit up XXXX asked for all following conversations to be mailed to me because it looks like every time I call a big company like XXXX only same represantitve answers me and tells me same answer u had a year to pay I explained to her all the above that I was in dialogue with them its not fair why they took me to collections whwn there was no due date to pay it like if they told I have a certain time and if I don't they will take action I won't be upset at all .I asked for senior rep to speak to am a customer with 2 car leases to have a chance to hear an explanation she told me no only in writing I can talk to them .fine I wrote to them asking how come I was not to be notified or mailed or emailed that if I did not pay with in a certain time they will take me to collections? senior rep answers on my XXXX chats with them that they have a 12 months policy to pay or they will report me .I asked for a written proof of that they respond back with a pdf that if I don't pay they will send a negative report .no where saying anything about 12 months .I asked again for senior rep to send proof sends back same message that I had a whole year to pay .I said I understand that but where does it say I had 12 months I asked .then listen to this he responds back and I QUOTE, ,PLEASE BE ADVISED U DO NOT HAVE 12 MONTHS TO PAY THE BALANCE .YOU ARE EXEPCTED TO PAY THE BALANCE AS SOON AS POSSIBLE AS SOON AS U RECIVE THE BILL SE SENT U IN XXXX .THAT I NEED SATISFY MY OBLIGATION WHAT FIGURE OUT WITH INSURANCE .I mean the senior rep in 2 previous messages told me I had 12 months to pay and then he writes me something different .twice they told me one thing and twice they went back on their word .its not fair what they did to me they have all recorded conversations and messages .I have all the messages between me and senior rep which by the way still. HAVE NOT RESPONDED BACK TO MY LAST EMAIL WHY THEY WENT BACK ON THIER WORD. am disputing the large on my credit report am I want help to speak with a high team member I need explanations and action to help me restore my credit that was ruined because they did not treat me at the way a customer must be treated .on what premises they take me to coolections while am actively speaking to them that am working on a payment LIKE THE REPRASATITVE XXXX read me my conversations over the phone and they told me my credit score was not in danger .am asking for help if they don't have proof that I had 12 months due date then why when am still actively working on a payment they send me too collections and going back on their word .and not even noticing me or letting me know that they will do that .am requesting for u to please ask them for the XXXX policy records ( I HAVE A COPY SENT TO ME FROM SENIOR REP ) and for all recorded phone calls between me and them and for a clear answer. thanks ... ..XXXX XXXX  XXXX XXXX.","date_sent_to_company":"2023-08-23T16:13:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11223","tags":null,"has_narrative":true,"complaint_id":"7448330","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-23T15:57:14.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["all the messages between me and senior rep which by the way <em>still</em>."]},"sort":[10.048498,"7448330"]},{"_index":"complaint-public-v1","_id":"7448243","_score":10.0426235,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"hi I have a lease with XXXX XXXX and XXXX XXXX XXXX my car was stolen in XX/XX/XXXX and my insurance company XXXX were suppose to pay the car being I was full covered the insurance company athru my auto body shop sent XXXX full check minus XXXX dollars they did not cover saying it was for storage and towing .bmw XXXX me and then I told them I will call insurance and auto body shop told me that since am In New York XXXX XXXX XXXX thru a program called gap insurance will pay and for me to wait and not have to pay. I contacted XXXX back and they have it in recording which I requested to be mailed to my house in XX/XX/XXXX and advised matter is being handled me and my auto body working with insurance company to get them payment XXXX asked if my credit my in danger and they said no .they have a copy or recordings .then they we spoke again in XXXX or XXXX XXXX told them am working with insurance company for payment XXXX contrary to what they told me and with no warning or mailing me or emailing me to tell me to pay or sending me to collections opposite of what they told me on the phone they send me to collections and messed my credit up XXXX asked for all following conversations to be mailed to me because it looks like every time I call a big company like XXXX only same represantitve answers XXXX and tells me same answer u had a year to pay I explained to her all the above that I was in dialogue with them its not fair why they took me to collections whwn there was no due date to pay it like if they told I have a certain time and if I don't they will take action I won't be upset at all XXXX asked for senior rep to speak to am a customer with XXXX car leases to have a chance to hear an explanation she told me no only in writing I can talk to them .fine I wrote to them asking how come I was not to be notified or mailed or emailed that if I did not pay with in a certain time they will take me to collections? senior rep answers on my XXXX chats with them that they have XXXX 12 months policy to pay or they will report me .I asked for a written proof of that they respond back with a pdf that if I don't pay they will send a negative report .no where saying anything about 12 months .I asked again for senior rep to send proof sends back same message that I had a whole year to pay .I said I understand that but where does it say I had 12 months I asked XXXXthen listen to this he responds back and I QUOTE, ,PLEASE BE ADVISED U DO NOT HAVE 12 MONTHS TO PAY THE BALANCE .YOU ARE EXEPCTED TO PAY THE BALANCE AS SOON AS POSSIBLE AS SOON AS U RECIVE THE BILL SE SENT U IN XXXX .THAT I NEED SATISFY MY OBLIGATION WHAT FIGURE OUT WITH INSURANCE XXXX mean the senior rep in XXXX previous messages told me I had 12 months to pay and then he writes me something different .twice they told me XXXX thing and twice they went back on their word .its not fair what they did to me they have all recorded conversations and messages .I have all the messages between me and senior rep which by the way still. HAVE NOT RESPONDED BACK TO MY LAST EMAIL WHY THEY WENT BACK ON XXXX WORD. am disputing the large on my credit report am I want help to speak with a high team member I need explanations and action to help me restore my credit that was ruined because they did not treat me at the way a customer must be treated XXXX what premises they take me to coolections while am actively speaking to them that am working on a payment LIKE THE XXXX XXXX XXXX me my conversations over the phone and they told me my credit score was not in danger XXXX asking for help if they don't have proof that I had 12 months due date then why when am still actively working on a payment they send me too collections and going back on their word .and not even noticing me or letting me know that they will do that .am requesting for u to please ask them for the XXXX policy records ( XXXX HAVE A COPY SENT TO ME FROM SENIOR REP ) and for all recorded phone calls between me and them and for a clear answer. thanks ... ..Ezra seton XXXX XXXX.","date_sent_to_company":"2023-08-23T16:26:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11223","tags":null,"has_narrative":true,"complaint_id":"7448243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-23T16:18:41.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":[".I <em>have</em> all the messages between me and senior rep which by the way <em>still</em>."]},"sort":[10.0426235,"7448243"]},{"_index":"complaint-public-v1","_id":"7441942","_score":10.0426235,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"hi I have a lease with XXXX XXXX and XXXX XXXX XXXX my car was stolen in XX/XX/XXXX and my insurance company XXXX were suppose to pay the car being I was full covered the insurance company athru my auto body shop sent Bmw full check minus XXXX dollars they did not cover saying it was for storage and towing .bmw contacted me and then I told them I will call insurance and auto body shop told me that since am In New York State residence insurance thru a program called gap insurance will pay and for me to wait and not have to pay. I contacted Bmw back and they have it in recording which I requested to be mailed to my house in XX/XX/XXXX and advised matter is being handled me and my auto body working with insurance company to get them payment .I asked if my credit my in danger and they said no .they have a copy or recordings .then they we spoke again in XXXX or XXXX XXXX told them am working with insurance company for payment .then contrary to what they told me and with no warning or mailing me or emailing me to tell me to pay or sending me to collections opposite of what they told me on the phone they send me to collections and messed my credit up .I asked for all following conversations to be mailed to me because it looks like every time I call a big company like Bmw only same represantitve answers me and tells me same answer u had a year to pay I explained to her all the above that I was in dialogue with them its not fair why they took me to collections whwn there was no due date to pay it like if they told I have a certain time and if I don't they will take action I won't be upset at all .I asked for senior rep to speak to am a customer with 2 car leases to have a chance to hear an explanation she told me no only in writing I can talk to them .fine I wrote to them asking how come I was not to be notified or mailed or emailed that if I did not pay with in a certain time they will take me to collections? senior rep answers on my Bmw chats with them that they have a 12 months policy to pay or they will report me .I asked for a written proof of that they respond back with a pdf that if I don't pay they will send a negative report .no where saying anything about 12 months .I asked again for senior rep to send proof sends back same message that I had a whole year to pay .I said I understand that but where does it say I had 12 months I asked .then listen to this he responds back and I QUOTE, ,PLEASE BE ADVISED U DO NOT HAVE 12 MONTHS TO PAY THE BALANCE .YOU ARE EXEPCTED TO PAY THE BALANCE AS SOON AS POSSIBLE AS SOON AS U RECIVE THE BILL SE SENT U IN XXXX .THAT I NEED SATISFY MY OBLIGATION WHAT FIGURE OUT WITH INSURANCE .I mean the senior rep in 2 previous messages told me I had 12 months to pay and then he writes me something different .twice they told me one thing and twice they went back on their word .its not fair what they did to me they have all recorded conversations and messages .I have all the messages between me and senior rep which by the way still. HAVE NOT RESPONDED BACK TO MY LAST EMAIL WHY THEY WENT BACK ON THIER WORD. am disputing the large on my credit report am I want help to speak with a high team member I need explanations and action to help me restore my credit that was ruined because they did not treat me at the way a customer must be treated .on what premises they take me to coolections while am actively speaking to them that am working on a payment LIKE THE REPRASATITVE XXXX read me my conversations over the phone and they told me my credit score was not in danger .am asking for help if they don't have proof that I had 12 months due date then why when am still actively working on a payment they send me too collections and going back on their word .and not even noticing me or letting me know that they will do that .am requesting for u to please ask them for the Bmw policy records ( I HAVE A COPY SENT TO ME FROM SENIOR REP ) and for all recorded phone calls between me and them and for a clear answer. thanks ... ..XXXX XXXX XXXX XXXX.","date_sent_to_company":"2023-08-23T14:15:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11223","tags":null,"has_narrative":true,"complaint_id":"7441942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2023-08-22T16:16:53.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["all the messages between me and senior rep which by the way <em>still</em>."]},"sort":[10.0426235,"7441942"]},{"_index":"complaint-public-v1","_id":"7447184","_score":10.033285,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"hi I have a lease with XXXX XXXX and XXXX XXXX XXXX my car was stolen in XX/XX/XXXX and my insurance company XXXX were suppose to pay the car being I was full covered the insurance company athru my auto body shop sent XXXX full check minus XXXX dollars they did not cover saying it was for storage and towing .XXXX contacted me and then I told them I will call insurance and auto body shop told me that since am In XXXX XXXX XXXX  residence insurance thru a program called gap insurance will pay and for me to wait and not have to pay. I contacted XXXX back and they have it in recording which I requested to be mailed to my house in XX/XX/XXXX and advised matter is being handled me and my auto body working with insurance company to get them payment .I asked if my credit my in danger and they said no .they have a copy or recordings .then they we spoke again in XXXX or XXXX XXXXand told them am working with insurance company for payment .then contrary to what they told me and with no warning or mailing me or emailing me to tell me to pay or sending me to collections opposite of what they told me on the phone they send me to collections and messed my credit up .I asked for all following conversations to be mailed to me because it looks like every time I call a big company like XXXX only same represantitve answers me and tells me same answer u had a year to pay I explained to her all the above that I was in dialogue with them its not fair why they took me to collections whwn there was no due date to pay it like if they told I have a certain time and if I don't they will take action I won't be upset at all .I asked for senior rep to speak to am a customer with 2 car leases to have a chance to hear an explanation she told me no only in writing I can talk to them .fine I wrote to them asking how come I was not to be notified or mailed or emailed that if I did not pay with in a certain time they will take me to collections? senior rep answers on my XXXX chats with them that they have a 12 months policy to pay or they will report me .I asked for a written proof of that they respond back with a pdf that if I don't pay they will send a negative report .no where saying anything about 12 months .I asked again for senior rep to send proof sends back same message that I had a whole year to pay .I said I understand that but where does it say I had 12 months I asked .then listen to this he responds back and I QUOTE, ,PLEASE BE ADVISED U DO NOT HAVE 12 MONTHS TO PAY THE BALANCE .YOU ARE EXEPCTED TO PAY THE BALANCE AS SOON AS POSSIBLE AS SOON AS U RECIVE THE BILL SE SENT U IN XXXX .THAT I NEED SATISFY MY OBLIGATION WHAT FIGURE OUT WITH INSURANCE .I mean the senior rep in 2 previous messages told me I had 12 months to pay and then he writes me something different .twice they told me one thing and twice they went back on their word .its not fair what they did to me they have all recorded conversations and messages .I have all the messages between me and senior rep which by the way still. HAVE NOT RESPONDED BACK TO MY LAST EMAIL WHY THEY WENT BACK ON THIER WORD. am disputing the large on my credit report am I want help to speak with a high team member I need explanations and action to help me restore my credit that was ruined because they did not treat me at the way a customer must be treated .on what premises they take me to coolections while am actively speaking to them that am working on a payment LIKE THE REPRASATITVE XXXX read me my conversations over the phone and they told me my credit score was not in danger .am asking for help if they don't have proof that I had 12 months due date then why when am still actively working on a payment they send me too collections and going back on their word .and not even noticing me or letting me know that they will do that .am requesting for u to please ask them for the XXXX policy records ( I HAVE A COPY SENT TO ME FROM SENIOR REP ) and for all recorded phone calls between me and them and for a clear answer. thanks ... ..XXXX XXXX XXXX XXXX.","date_sent_to_company":"2023-08-23T16:34:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11223","tags":null,"has_narrative":true,"complaint_id":"7447184","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-23T16:26:55.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["all the messages between me and senior rep which by the way <em>still</em>."]},"sort":[10.033285,"7447184"]},{"_index":"complaint-public-v1","_id":"2199236","_score":9.804259,"_source":{"product":"Student loan","complaint_what_happened":"Dear sir or madam, I have XXXX federal consolidation loans with Navient, which I have been paying in good faith since XX/XX/XXXX. Due to recent information that has come to light, I believe Navient has stolen money from me and acted fraudulently over the last few years. \nFirst, Navient claims that XXXX years ago I chose a graduated repayment program, in which only interest would be paid back for the first XXXX years. I did not knowingly choose this repayment plan, and I never would have. They did not inform me that I was only paying back interest, not principle. This came to light about a month ago ( XX/XX/XXXX ), when my monthly bill increased without warning by nearly {$70.00}. I immediately contacted Navient, who claimed that I had been informed of this change in an email in XX/XX/XXXX. I did indeed receive an email titled \" change in terms '' on XX/XX/XXXX but there was no information in the email or attached. I was not informed by email or post for the XXXX years that I was unknowingly on the reduced-payment plan. \nSecond, over the last year I have consistently paid more than the minimum monthly payment. For the last XXXX months, Navient has applied my entire payment to \" interest '', including the extra money. I asked them what happened to the extra money I paid, but they avoided answering the question, telling me over and over that I had chosen an \" interest-only repayment plan ''. I can not imagine how it can be legal for them to apply money above the monthly minimum to interest, not principle. I believe they have stolen it. \nThird, I was forced several times to put the loan into forbearance because I was in a bad financial situation. Navient/XXXX always told me that I was not eligible for deferment, even when I was still in school or unemployed. They have thus added {$6000.00} of capitalized interest to my original principle, although I have always paid in good faith. I should have been eligible for deferment at least some of the time. \nI have tried to negotiate with Navient, but they will not cooperate with me. I have informed them that I am ceasing all payment on the loans until we can come to an agreement, but they will not back down. I can not in good conscience continue to pay a company that is stealing money from me, and fraudulently signed me up for a payment plan that I did not want. \nI hope that you can help me resolve this situation. \nBest, XXXX","date_sent_to_company":"2016-11-07T13:49:41.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2199236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2016-11-07T09:00:45.000Z","state":null,"company_public_response":null,"sub_issue":"Received bad information about my loan"},"highlight":{"complaint_what_happened":["Second, over the last year I <em>have</em> consistently paid more than the minimum monthly payment. For the last XXXX months, Navient has applied my entire payment to \" interest '', including the extra money. I <em>asked</em> them what happened to the extra money I paid, but they avoided answering the question, telling me over and over that I had chosen an \" interest-only repayment plan ''. I can not imagine how it can be legal for them to apply money <em>above</em> the monthly minimum to interest, not principle."]},"sort":[9.804259,"2199236"]},{"_index":"complaint-public-v1","_id":"9169240","_score":9.663099,"_source":{"product":"Debt collection","complaint_what_happened":"Back in XX/XX/XXXX I believed someone was using my identity to make purchases at XXXX XXXX XXXX stores because I received a text from Synchrony bank on XXXX XXXX, XXXX, asking me to verify my identity through its secured web site. I believe that the perpetrator obtained my personal information on the dark web to open a credit card with XXXX XXXX XXXX provided by Sychrony bank. In XX/XX/XXXX I contacted Synchrony Bank to conduct a Fraudulent charge investigation. The investigation has been going on since XX/XX/XXXX until now. In XXXX I received a letter from Synchrony bank dated on XX/XX/XXXX, stating that it is unable to approve my claims because I authorized, participated, or benefitted from the purchase, all of which are completely fraudulent. I then called Synchrony bank again requesting the investigation be reopened. In XXXX I received another letter from Synchrony dated on XX/XX/XXXX, stating that my claim of the fraudulent charge has been approved. But then few days later I started receiving collection calls demanding payments from Synchrony bank. When I called Synchrony bank to ask for the reason of the collection payment calls, Synchrony personnel told me that my claim of the fraudulent charge has been denied again. I then requested the investigation be reopened the 3rd time. I was told by Synchrony to sit and wait for their investigation to complete, and they will send me letter to let me know the outcome of their investigation and their decision on my claim. And I am still waiting. Besides the identity theft problem I am having with XXXX XXXX XXXX, I also experienced identity theft issues with the XXXX XXXX, Lowes the Home Improvement, Target and Smile Generation Credit card. I called all of those companied above and report this identity theft problem with them. Fortunately for me, I was able to have my name cleared from those fraudulent charges with all those companies I listed above. I also contact the XXXX credit bureaus : XXXX, XXXX, and XXXX to have my credit line frozen and an alert of identity theft put on place. I also contacted XXXX company and requested an investigation into the problem I am having with XXXX 's XXXX bank. And today, the XXXX of XX/XX/XXXX when I again called XXXX bank to check on the status of my claim, a case XXXX told me to continue to wait for their investigation. He also let me know which XXXX XXXX XXXX that the identity theft occurred : it is the XXXX XXXX XXXX in XXXX XXXX, California. According to the investigation team of Synchrony bank, the perpetrator who conducted this identity theft had made XXXX purchases : the XXXX one was on XX/XX/XXXX, in the amount of {$15000.00}, and the XXXX one was on XX/XX/XXXX, in the amount of {$7500.00}. The XXXX totaled to {$22000.00}. What makes me very upset is even though I at the very beginning of the event I followed Sychrony bank 's guidance to verify my personal information to prevent fraudulent activities, but Synchrony bank somehow did not convey the alert fast enough to XXXX XXXX XXXX. And XXXX XXXX XXXX is at false by allowing the sale went through without proper checks and balance. I believe XXXX XXXX XXXX was so desperate for a sale of that great amount of money that it ignored the warning signs of fraudulent. I am now a victim of identity theft because XXXX XXXX XXXX irresponsible way of accepting applications from someone who stole my information.","date_sent_to_company":"2024-06-05T03:08:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"92562","tags":null,"has_narrative":true,"complaint_id":"9169240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-06-05T02:03:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Besides the identity theft problem I am <em>having</em> with XXXX XXXX XXXX, I also experienced identity theft issues with the XXXX XXXX, Lowes the Home Improvement, Target and Smile Generation Credit card. I called all of those companied <em>above</em> and report this identity theft problem with them. Fortunately for me, I was able to <em>have</em> my name cleared from those fraudulent charges with all those companies I listed <em>above</em>."]},"sort":[9.663099,"9169240"]},{"_index":"complaint-public-v1","_id":"1886143","_score":9.655417,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX 2015 my wife and I closed on a new home. We received a mortgage through XXXX XXXX, which was serviced by LoanCare. In XXXX it came to our attention that we had not received any form of mail, phone call or email from XXXX XXXX or LoanCare. No statements or anything relating to our mortgage. \n\nWe spoke with a lady at XXXX XXXX and she told us that our mortgage was 30 days past due and that another payment was due at that time. I explained that we never received any sort of statement, email or phone call telling us that our payment was due. She directed me to LoanCare, so I called them. \n\nThe LoanCare representative insisted that we had in fact been receiving statements, past due notices, phone calls and emails warning us of the situation ( he was was quite rude and not interested in hearing that this was indeed not the case ). Of course I immediately made the payments but was told that my credit report now reflected a 30-day late payment. I asked the rep to tell me what phone numbers he had on my file and he read them to me. Neither of the numbers were ours, and XXXX was a toll-free number. The email address was correct, although I had never received anything from them via email. He offered no apology but said he would change the phone numbers. \n\nWe went back to our email to see if we somehow missed a notification telling us payments were due. Nothing. In fact, the first contact I had from LoanCare via email was in XXXX after I decided to register with their website. \n\nThen in XXXX we finally received a piece of mail from LoanCare containing a statement with a due date of XXXX XXXX, with a note attached reading : \" Please find enclosed your XXXX statement. This statement was scheduled to be mailed in XXXX, but the mailing was unfortunately delayed as a result of a programming error with the print vendor. We sincerely apologize for the delay in mailing this notice ... '' Obviously the ball was dropped on their end from the start and they are unwilling to acknowledge it. We still have not received a statement for XXXX, which is the payment they reported as 30 days late. \n\nWe have been insisting that the blemish to our credit report be removed yet after repeated attempts LoanCare refuses. We have provided them with the evidence that the error is theirs but they do not seem to care. \n\nI have all of the documentation to back the statements I 've made above. Hopefully this process will result in a correction to our credit report. \n\nThanks in advance.","date_sent_to_company":"2016-04-19T20:04:18.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"FHA mortgage","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"1886143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2016-04-19T20:04:17.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We <em>still</em> <em>have</em> not received a statement for XXXX, which is the payment they reported as 30 days late. \n\nWe <em>have</em> been insisting that the blemish to our credit report be removed yet after repeated attempts LoanCare refuses. We <em>have</em> provided them with the evidence that the error is theirs but they do not seem to care. \n\nI <em>have</em> all of the documentation to back the statements I 've made <em>above</em>. Hopefully this process will result in a correction to our credit report. \n\nThanks in advance."]},"sort":[9.655417,"1886143"]},{"_index":"complaint-public-v1","_id":"12151516","_score":9.644353,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/XXXX, I signed up to have my debt consolidated through an app, XXXX. I was making my payments for over 2 years and then on XX/XX/XXXX I received an email that they were going to be closing down and my debt was going to be transferred to another service provider. \n\nCorrespondence was received on XX/XX/XXXX, from an email account- XXXX XXXX about the transfer of services from XXXX to SST ( Systems & Services Technologies ) XXXX XX/XX/XXXX. There was a link provided in the email to register the account but the link never worked and I could not register my account. I received a bill on XX/XX/XXXX stating I owed {$150.00}, but when I clicked on the link to pay I received a message : Your connection is not private Attackers might be trying to steal your information from XXXX ( for example, passwords, messages, or credit cards ). Learn more about this warning XXXX XXXX XXXX and could not access my account. \n\nI was finally able to get in via the website but it was not easy to find through a search engine. I made a payment for the {$150.00} on XX/XX/XXXX but did not receive any email confirmation regarding the payment and received an email on XX/XX/XXXX stating that I still owed for the balance of {$150.00} for the month of XXXX. Again, when I tried to click on the link, it would not work, and I received the same message as above. In the month of XXXX I had tried to access my account via the old way I did before, through the website, but now I am receiving an message saying my password has been changed, and when I go to answer the security questions, it states that the answers are incorrect, when they are not. SST reported by lack of payment to XXXX and my score actually went down XXXX XXXX \n\nOn XX/XX/XXXX I reached out to SST and spoke to an XXXX XXXX about not having access to my account so I could pay my bill. She told me that I was actually locked out of my account because it was 60 days past due. \n\n\nI explained my account was past due because I did not have access to the online portal. The links provided in the email would not work, and the website was not accessible. I continue to be locked out of my account because of my past due balance. \n\nWhen I spoke to this person, the amount I owed was very unclear. There were past due payments, one included over {$600.00} another past due payment was over {$400.00}. When I asked about a payoff amount, she stated that she could actually not give me an accurate payoff amount. I said I read about this happening to another person online, they thought they paid it off but then there was XXXX XXXX still in the account, it accrued daily interest and was a problem. When I asked her how I could ever pay this off then if the balance she gave me was not accurate she could not accurately answer the question and she left me confused. \n\nMy payoff amount as of XX/XX/XXXX Is {$6100.00} and this can only be paid off over the phone. This will take 24-48 hours to process and 20 days to actually close the account. I asked about the daily interest that will accrue while waiting for this to happen. She said that it would not accrue over the 20 days but it was not clear if it would accrue while waiting for the payment to post 24-48 hours. \n\nThis really seems like a scam. I have not been allowed access to my account. I can not see how much I owe, or where my payment even went. The payoff amount I received this morning was a number I had never had access to, and when I asked about just paying this off she was very evasive and could not guarantee that that was actually the payoff amount.","date_sent_to_company":"2025-02-20T18:14:34.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"95008","tags":null,"has_narrative":true,"complaint_id":"12151516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Alorica Inc.","date_received":"2025-02-20T17:30:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Learn more about this <em>warning</em> XXXX XXXX XXXX and could not access my account. \n\nI was finally able to get in via the website but it was not easy to find through a search engine. I made a payment for the {$150.00} on XX/XX/XXXX but did not receive any email confirmation regarding the payment and received an email on XX/XX/XXXX stating that I <em>still</em> owed for the balance of {$150.00} for the month of XXXX."]},"sort":[9.644353,"12151516"]},{"_index":"complaint-public-v1","_id":"21490527","_score":9.622221,"_source":{"product":"Checking or savings account","complaint_what_happened":"In continuation to the existing complaints ID no. XXXXXXXX XXXX XXXXXXXX. I would further like to bring to your kind attention that I have associated with Bank of America for 11 years of time from XX/XX/XXXX to XX/XX/XXXX and maintained Bank account without any complaint as a loyal customer. \n\nAs a customer i had called many times along with letters to Bank of America fraud department/risk management department to make them understand and explained my unfortunate situation, how the scam took place, and scammer asked me to sent the money to his address, his exploitation over messenger chat and requested to help me fraud settlement, as all my savings have been lost and psychologically a lot of disturbance after i lost my money in the scam without knowing me innocently, however, the Bank of America did not settled my claim eventhen.\n\nPlease note that here the scammer was acting as my friend and as an Agent on Messenger App ( Scammer duplicated my friend 's messenger ID also, and was suggesting me to pay as Agent instructed ) when i had any doubt i used to contact my friend, i never know that he is also same agent, later after i lost my money ( XXXXXXXX XXXX ) after 3 months ( XXXX to XXXX XXXX ) i realized. I expressed my feelings and bad and practical situation stating that the Fraud can happen in any way its not compulsory that it should happen only online, however the Bank of America did not accepted my requests and keep on defending the matter and postpone the fraud claim. \n\nDue to this multi layers scam i lost approx for total of XXXX XXXX XXXX ( through fake cheques XXXX ( money withdrawn from bank and sent to scammers Florida address ( evidence available with me i am attaching herewith like address envelop where money sent, fake cheques which Bank of America could have avoided but there is no any such detecting mechanism with BOA to identify the fake cheques otherwise this i could not have lost my hard earned money ), Gift Cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( All gift card evidences available with me ) ( sample gift cards XXXX each for company wise i am attaching herewith for your reference. \n\nFor Bank of America after 6 days of withdrawal of cash the cheques were bounced and bank balance was showing in ( - XXXX ) negative. Then i had to pay to bank from my own savings. While repaying to bank i was delayed for approx. ( XXXXXXXX XXXX XXXX for couple of months then in the mean XXXX Bank of America has reported to the consumer forums Chex systems and Early Warning systems stating that i had intentionally submitted the fake cheques to the Bank of america. \n\nHowever, i repaid back and cleared even above negative balance of approx XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, but still despite of my requests to Chex system and Early warning system they are not removing my name from the fraud list till today, due to which i am not able to open any new savings or checking account across XXXX any where for next 4 years, i am getting punishment due to my innocency. When i request XXXX XXXX XXXX XXXX XXXX XXXX  they mention that Bank of America has to respond and give us the instruction to remove my name. I am thinking that i am being punished without any reason and paying a huge cost and valuable time for lobbying the Bank and consumer forums, really very upset. \n\nDue to above unfortunate incident i am experiencing a lot of phycological disturbance and even reported to Attorney General, New York State, due to loss of huge money on one hand and on the other hand not able to open any new accounts, very pathetic situation.\n\nWould kindly request you to intervene in this matter and resolve the same to settle my fraud claim from Bank of America and instruct the Bank of America to remove my name from XXXX XXXX XXXX XXXX XXXX XXXX as early as possible or i may have to hire a lawyer to file a suit against Bank of America which is more expensive for Bank of America to deal after that.","date_sent_to_company":"2026-04-22T17:43:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11355","tags":null,"has_narrative":true,"complaint_id":"21490527","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-22T17:29:48.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["However, i repaid back and cleared even <em>above</em> negative balance of approx XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, but <em>still</em> despite of my requests to Chex system and Early <em>warning</em> system they are not removing my name from the fraud list till today, due to which i am not able to open any new savings or checking account across XXXX any where for next 4 years, i am getting punishment due to my innocency."]},"sort":[9.622221,"21490527"]},{"_index":"complaint-public-v1","_id":"4798572","_score":9.49317,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had a XXXX credit card with a promotion to pay no interest for a year. In XXXX I decided to pay it off, so I paid the account off in full, based on the statement balance on XX/XX/21. \n\nI had a {$29.00} returned check fee and a {$2.00} charge for interest on XX/XX/21, that didnt appear until my XXXX statement, because I thought it was paid off, so I did not look at the statement since it would have been XXXX. That statement had the returned check fee from XXXX. They then sent another statement for XXXX, and I opened that because I wondered why I was still being sent statements with a XXXX balance. That is when I realized that when I changed bank accounts, the timing must have conflicted with the auto-draft, and that is why the returned check happened. \n\nI paid well in advance of the total balance on XX/XX/21 that is due in XXXX to fulfill the advertised promotion of no interest for a year, so I feel I was taken advantage of by confusing advertising and then XXXX late charge showing up in a XXXX statement, so I called to see if they would reverse it and they would not. Trying to establish credit with banks that prey on younger customers that are not as financially savvy. I escalated the call twice and they kept quoting policy instead of working with me since I paid so much off early. I feel this bank is only concerned about their profits and not doing the right thing. I am learning the interest free advertising is deceptive, not fair and an easy trap with loopholes so they can make a lot of money in fees, even when the customer is trying to do the right thing. This bank obviously built this product to prey on customers through multiple ways to get more fees and interest through the lifecycle of the promotion. It is not designed to help customers finances, but is designed to charge extra fees. I called XXXX XXXX when a payment did not go through when I changed bank accounts ( same time as the above ), and they gladly refunded me the fees without any hassle. \n\nAlthough I will hit many feedback sites with my warning about XXXX and Comenity based on their confusing and deceptive advertising and non-caring customer service, I am asking the Bureau to investigate this product and the amount of fees that customers are being charged to determine if this is a legitimate product to help consumers, of if it is a deception that preys on lower FICO customers in order to charge extra fees and that only put lower-income folks in financial trouble especially when job losses due to COVID probably cause most of the issues with repayment, like in my situation.","date_sent_to_company":"2021-10-22T20:18:52.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"23059","tags":null,"has_narrative":true,"complaint_id":"4798572","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2021-10-11T23:07:10.000Z","state":"VA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I had a {$29.00} returned check fee and a {$2.00} charge for interest on XX/XX/21, that didnt appear until my XXXX statement, because I thought it was paid off, so I did not look at the statement since it would <em>have</em> been XXXX. That statement had the returned check fee from XXXX. They then sent another statement for XXXX, and I opened that because I wondered why I was <em>still</em> being sent statements with a XXXX balance."]},"sort":[9.49317,"4798572"]},{"_index":"complaint-public-v1","_id":"1904119","_score":9.370427,"_source":{"product":"Bank account or service","complaint_what_happened":"1 Lot of dishonest and bait and switch tactics at PNC XXXX XXXX New York XXXX 2 Dishonest and hidden fees for PNC prepaid cards I went to the above mentioned branch to open a new account on XXXX. I was being helped by XXXX. During the process, I was told that they have a savings account with a special 3 month rate of 1.34 %. I also saw a rate of 1.49 % and inquired about that and was told that was for customers who received that offer in the mail but he will check with his manager if he can get me that. I said I was interested in opening the savings account as well preferably at the 1.49 % rate but if not then 1.34 % rate. \nAlso I was told that if I were to answer a few questions related to my finances, they will give me a {$25.00} gift card. Then I was told that the gift cards were locked up and I would have to come back another day to get it. So I left after opening the checking account package with the promise that they will get back to me on the savings account rate and without the {$25.00} gift card. \nThe next day I got a call saying that they will be more inclined to give me the 1.49 % rate if I were to open a PNC credit card. I said I will thin about it and let them know. \n2 days later I went to the branch to agree to that and get the credit card in order to get the 1.49 % rate. I was told that they can not offer me the 1.49 % rate. Not only that, they can not even offer me the 1.34 % rate ( which I was told was n't for special folks who were target for it ). I was told the reason I ca n't get that Savings/XXXX account was because I had a growth account as part of the checking package. I find it very difficult to believe as I was asked to offer this very specific 1.34 % account while opening that checking package and now all of a sudden, this is not available. Even if the reason is true, that is no excuse for them lying to me about this account and rates and then trying to get me to open a credit card, etc ti get these rates. \nAnd then the matter of the promised gift card. They very conveniently forgot that they owed me that. I had to ask for it twice during my second visit to get it. I find that very dishonest. \n\nAnd now to the matter of the gift card. The back of the gift card says \" For customer service please call XXXX or click XXXX '' The fun fact is that pncpaycard.com does not exist ( the correct site is XXXX which I found out on my own later using XXXX search ). So I called the number to ask about the website and I was told that I had been forwarded to lost and stolen dept and the regular customer service is closed. So the next day I found out the website on my own and login to check my balance and to my surprise they had deducted {$2.00} from the balance for that brief 30 sec conversation that did not provide the information I was looking for with no warning that such a fee will be deducted. \nI also found out that I can not use this card online because they provide no way to add my name and address to the card. I find it surprising that they provide no services for this card but still dare to deduct {$2.00} for a call that does not provide the information the customer is looking for. \n\nI have never seen such dishonest practices at any bank that I have encountered so far.","date_sent_to_company":"2016-04-30T22:28:58.000Z","issue":"Account opening, closing, or management","sub_product":"Savings account","zip_code":"07047","tags":null,"has_narrative":true,"complaint_id":"1904119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2016-04-30T22:28:57.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I find it surprising that they provide no services for this card but <em>still</em> dare to deduct {$2.00} for a call that does not provide the information the customer is looking for. \n\nI <em>have</em> never seen such dishonest practices at any bank that I <em>have</em> encountered so far."]},"sort":[9.370427,"1904119"]},{"_index":"complaint-public-v1","_id":"15623914","_score":9.352228,"_source":{"product":"Credit card","complaint_what_happened":"Consumer Complaint : Synchrony Credit Card Deferred Interest Trap In XX/XX/XXXX, I opened a Synchrony credit card to finance my XXXX  XXXX after being offered a promotion of no interest for 24 months. At the time, I was told that : No interest would apply during the promotional period. \n\nI would receive a heads-up notice before the promotion expired. \n\nSetting up automatic payments would keep my account in good standing. \n\nBased on that, I set up autopay ( as recommended ) and made consistent payments for nearly two years, believing I was protected.\n\nHowever, when I reviewed my account in XX/XX/XXXX, I discovered the following : On XX/XX/XXXX, Synchrony posted {$1100.00} in accrued interest. \n\nOn XX/XX/XXXX, the day my promotion expired, they added {$2400.00} in deferred interest charges. \n\nAfter XX/XX/XXXX, additional monthly interest charges continued to appear on my statements, even though I was still making payments. \n\nHere is the record of my balances and statements : XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XXXX XXXX, XXXX {$2300.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} ( deferred interest applied ) XX/XX/XXXX {$1100.00} ( interest charge posted ) Despite continuous payments, my balance did not go down it increased every month due to back interest and new interest charges. Synchrony claims statements were sent, but no warning was ever provided about the deferred interest expiration, even though I was promised advance notice. \n\nTo make matters worse, the promotion expired specifically on the XXXX of the month, which feels like an intentional setup to catch consumers off guard between billing cycles. Combined with their recommendation to use autopay ( set by default to minimum payments ), this seems designed to ensure most customers fall into the trap. \n\nMy request : I am asking Synchrony to refund the deferred interest charges ( {$1100.00} + {$2400.00} + the ongoing accrued monthly interest shown above ). I entered this financing in good faith and was misled by their advertising and failure to provide a clear notice. \n\nI am a XXXX XXXX XXXX  and live on a modest income. These surprise charges have been devastating financially, and I believe this practice is intentionally deceptive.","date_sent_to_company":"2025-08-30T19:16:43.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"92844","tags":null,"has_narrative":true,"complaint_id":"15623914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-08-30T19:00:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["My request : I am <em>asking</em> Synchrony to refund the deferred interest charges ( {$1100.00} + {$2400.00} + the ongoing accrued monthly interest shown <em>above</em> ). I entered this financing in good faith and was misled by their advertising and failure to provide a clear notice. \n\nI am a XXXX XXXX XXXX  and live on a modest income. These surprise charges <em>have</em> been devastating financially, and I believe this practice is intentionally deceptive."]},"sort":[9.352228,"15623914"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":198,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":198}]}},"product":{"doc_count":198,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":33,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":20},{"key":"FHA mortgage","doc_count":7},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2},{"key":"Other mortgage","doc_count":1},{"key":"Other type of mortgage","doc_count":1},{"key":"Reverse mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Checking or savings account","doc_count":28,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":24},{"key":"Savings account","doc_count":3},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":28,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":28}]}},{"key":"Credit card or prepaid card","doc_count":24,"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":20},{"key":"Government benefit card","doc_count":2},{"key":"Store credit card","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":20}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":18,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":9},{"key":"Domestic (US) money transfer","doc_count":5},{"key":"Mobile or digital wallet","doc_count":2},{"key":"Foreign currency exchange","doc_count":1},{"key":"International money transfer","doc_count":1}]}},{"key":"Credit card","doc_count":16,"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":16}]}},{"key":"Debt collection","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":6},{"key":"Credit card debt","doc_count":4},{"key":"Other debt","doc_count":2},{"key":"Mortgage debt","doc_count":1},{"key":"Payday loan debt","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":3},{"key":"Loan","doc_count":3}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":3},{"key":"Personal line of credit","doc_count":1},{"key":"Title loan","doc_count":1}]}},{"key":"Student loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1},{"key":"Personal line of credit","doc_count":1}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Savings account","doc_count":1}]}}]}},"issue":{"doc_count":198,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":17}]}},{"key":"Managing an account","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":7},{"key":"Problem using a debit or ATM card","doc_count":4},{"key":"Funds not handled or disbursed as instructed","doc_count":3},{"key":"Problem making or receiving payments","doc_count":3}]}},{"key":"Trouble during payment process","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":6},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":2},{"key":"Fees charged","doc_count":1},{"key":"Payment process","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":6},{"key":"Problem with personal statement of dispute","doc_count":3},{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":5},{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":2},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Closing your account","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":9}]}},{"key":"Struggling to pay mortgage","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":3},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1}]}},{"key":"Fraud or scam","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a purchase shown on your statement","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":6},{"key":"Card was charged for something you did not purchase with the card","doc_count":2}]}},{"key":"Closing an account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":5},{"key":"Can't close your account","doc_count":1},{"key":"Funds not received from closed account","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":3},{"key":"Information belongs to someone else","doc_count":3},{"key":"Account information incorrect","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":5},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Other transaction problem","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":3},{"key":"Sued you without properly notifying you of lawsuit","doc_count":2},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":1}]}},{"key":"Fees or interest","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":3},{"key":"Charged too much interest","doc_count":1},{"key":"Unexpected increase in interest rate","doc_count":1}]}},{"key":"Trouble using your card","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":3},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":2},{"key":"Debt was result of identity theft","doc_count":2}]}},{"key":"Closing on a mortgage","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fees or costs after closing","doc_count":1},{"key":"Trying to communicate with the company to fix an issue with the loan closing","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Add-on products and services","doc_count":1},{"key":"Other problem","doc_count":1},{"key":"Problem with customer service","doc_count":1},{"key":"Problem with rewards from credit card","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denials","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":3}]}},{"key":"Problems at the end of the loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Excess mileage, damage, or wear fees, or other problem after the lease is finished","doc_count":1},{"key":"Termination fees or other problem when ending the lease early","doc_count":1},{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":1}]}},{"key":"False statements or representation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":2}]}},{"key":"Getting the loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan servicing, payments, escrow account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money was not available when promised","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Account opening, closing, or management","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Advertising and marketing, including promotional offers","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":1}]}},{"key":"Can't repay my loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't decrease my monthly payments","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about my loan","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting a working replacement card","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Bounced checks or returned payments","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}},{"key":"Problem with cash advance","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account reinstatement or redemption after repossession","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":1}]}},{"key":"Trouble using the card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using the card to withdraw money from an ATM","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}}]}},"timely":{"doc_count":198,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":195},{"key":"No","doc_count":3}]}},"company_response":{"doc_count":198,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":164},{"key":"Closed with non-monetary relief","doc_count":20},{"key":"Closed with monetary relief","doc_count":14}]}},"submitted_via":{"doc_count":198,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":198}]}},"company":{"doc_count":198,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":17},{"key":"JPMORGAN CHASE & CO.","doc_count":17},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":14},{"key":"CITIBANK, N.A.","doc_count":13},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":9},{"key":"EQUIFAX, INC.","doc_count":8},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":7},{"key":"WELLS FARGO & COMPANY","doc_count":7},{"key":"SYNCHRONY FINANCIAL","doc_count":5},{"key":"Paypal Holdings, Inc","doc_count":3},{"key":"Rocket Mortgage, LLC","doc_count":3},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":3},{"key":"U.S. BANCORP","doc_count":3},{"key":"AMERICAN EXPRESS COMPANY","doc_count":2},{"key":"Bread Financial Holdings, Inc.","doc_count":2},{"key":"Coinbase, Inc.","doc_count":2},{"key":"DISCOVER BANK","doc_count":2},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":2},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":2},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":2},{"key":"Ocwen Financial Corporation","doc_count":2},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":2},{"key":"PNC Bank N.A.","doc_count":2},{"key":"Resurgent Capital Services L.P.","doc_count":2},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":2},{"key":"Shellpoint Partners, LLC","doc_count":2},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":2},{"key":"Transfinancial Companies, Inc","doc_count":2},{"key":"Westlake Services, LLC","doc_count":2},{"key":"AES/PHEAA","doc_count":1},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"AMERIS BANCORP","doc_count":1},{"key":"Alabama Housing Finance Authority","doc_count":1},{"key":"Alorica Inc.","doc_count":1},{"key":"AmeriHome Mortgage Company, LLC","doc_count":1},{"key":"BAM Management US Holdings Inc.","doc_count":1},{"key":"BANK OF THE WEST","doc_count":1},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"BSI Financial Holdings, Inc.","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"Caliber Home Loans, Inc.","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"Complete Credit Solutions, Inc.","doc_count":1},{"key":"Dividend Finance Inc.","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"Feldman & Stern, LLC","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"General Motors Financial Company, Inc.","doc_count":1},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":1},{"key":"HoldCo LLC","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"LAKEVIEW LOAN SERVICING, LLC","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"Midwest Recovery Systems","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"PARAMOUNT RESIDENTIAL MORTGAGE GROUP","doc_count":1},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":1},{"key":"Patenaude & Felix A Professional Corporation","doc_count":1},{"key":"Payward Ventures Inc. dba Kraken","doc_count":1},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":1},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":1},{"key":"Residential Credit Solutions, Inc.","doc_count":1},{"key":"Reverse Mortgage Solutions, Inc.","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"SANTANDER BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"SERVICEMAC, LLC","doc_count":1},{"key":"SLM CORPORATION","doc_count":1},{"key":"SUNTRUST BANKS, INC.","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"Southern Credit Recovery, Inc.","doc_count":1},{"key":"T.S. Holdings","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"TMX Finance LLC","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1},{"key":"WEBSTER BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"WLCC","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1}]}},"state":{"doc_count":198,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":25},{"key":"CA","doc_count":24},{"key":"FL","doc_count":20},{"key":"NY","doc_count":16},{"key":"MI","doc_count":12},{"key":"MD","doc_count":9},{"key":"GA","doc_count":8},{"key":"LA","doc_count":7},{"key":"IL","doc_count":6},{"key":"NJ","doc_count":6},{"key":"VA","doc_count":6},{"key":"MA","doc_count":5},{"key":"NC","doc_count":5},{"key":"PA","doc_count":5},{"key":"CO","doc_count":4},{"key":"CT","doc_count":4},{"key":"IN","doc_count":4},{"key":"OH","doc_count":4},{"key":"WA","doc_count":4},{"key":"AL","doc_count":3},{"key":"MN","doc_count":3},{"key":"AZ","doc_count":2},{"key":"KY","doc_count":2},{"key":"MO","doc_count":2},{"key":"NV","doc_count":2},{"key":"AR","doc_count":1},{"key":"DE","doc_count":1},{"key":"ID","doc_count":1},{"key":"OK","doc_count":1},{"key":"SC","doc_count":1},{"key":"UT","doc_count":1},{"key":"VT","doc_count":1},{"key":"WI","doc_count":1}]}},"company_public_response":{"doc_count":198,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":93},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":9}]}},"tags":{"doc_count":198,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":24},{"key":"Servicemember","doc_count":15},{"key":"Older American, Servicemember","doc_count":4}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[9.352791,"15623914"],"3":[8.500211,"11434493"],"4":[7.6429696,"6475507"],"5":[6.8733273,"7386900"],"6":[6.2493,"7978425"],"7":[5.623104,"5787623"],"8":[4.4909945,"7117421"]}}}