{"took":98,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":90,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18297510","_score":18.485592,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Product / Service : XXXX XXXX XXXX XXXX Account Number / Reference : [ XXXX ] Complaint I am formally disputing the accuracy of my Early Warning Services ( EWS ) consumer report. I have reviewed my report and identified inaccurate and unverified information regarding alleged account closures and banking history.\n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x, you are legally obligated to ensure all information reported is accurate and verifiable. Any reporting of inaccurate or unverifiable information constitutes a willful violation of federal law.\n\nSpecifically, I demand the following actions immediately : 1. Full investigation and verification of all accounts or flags listed under my name or Social Security number.\n\n2. Removal of any unverified, inaccurate, or fraudulent information from all consumer reporting databases.\n\n3. Written confirmation that the disputed items have been removed or corrected.\n\nReporting unverified or false information violates the FCRA, specifically : - 1681e ( b ) - duty to maintain accurate information - 1681i ( a ) - duty to investigate disputed information - 1681s-2 ( a ) & ( b ) - furnishing inaccurate information to consumer reporting agencies Failure to immediately investigate and remove inaccurate information will leave me no choice but to pursue all available remedies, including : - Filing additional complaints with the CFPB and State Attorney General- Legal action for actual and statutory damages under federal law- Reporting willful noncompliance to regulatory authorities All future communication must be in writing only and sent to the address listed above. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-26T17:09:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"18297510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-12-26T17:08:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> ( <em>XXXX</em> ) <em>XXXX</em> <em>XXXX</em> Early <em>Warning</em> <em>Services</em> , LLC <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>Product</em> / <em>Service</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Account</em> Number / Reference : [ <em>XXXX</em> ] <em>Complaint</em> I am formally disputing the accuracy of my Early <em>Warning</em> <em>Services</em> ( EWS ) consumer report. I have reviewed my report and identified inaccurate and unverified information regarding alleged <em>account</em> closures and banking history."],"company":["Early <em>Warning</em> <em>Services</em>, LLC"]},"sort":[18.485592,"18297510"]},{"_index":"complaint-public-v1","_id":"14112163","_score":17.820751,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Summary Fifth Third Bank I am filing this complaint to formally report Fifth Third Banks continued unfair, deceptive, and inconsistent practices in the handling of my personal checking account and related financial products. Despite multiple attempts to resolve these issues directly with the bank, I have received no meaningful resolution. \n\nSummary of Issues : Improper Overdraft/NSF Fees During Fee-Free Period : My account was downgraded from Preferred to Momentum Checking without notice or consent. As a result, I lost access to the 90-day fee-free window for overdraft/NSF charges, despite marketing and product terms indicating I was eligible. I was charged hundreds of dollars in fees during this period.\n\nRefusal to Link Backup Deposit Account : I repeatedly asked to link a backup deposit account ( my own money ) as overdraft protection, but Fifth Third refused due to my overdraft history. This contributed directly to additional NSF/overdraft charges.\n\nDenied Access to Mobile Check Deposit : In XX/XX/XXXX, I discovered that mobile deposit was disabled, also due to overdraft history, without warning. This again increased the likelihood of overdrafts. \n\nXXXX XXXX : I relied on Fifth Thirds XXXX service ( an advance-on-deposit feature ) and paid over {$570.00} in fees since XX/XX/XXXX. In late XX/XX/XXXX, the feature was suddenly removed with no warning or explanation, despite having been previously used responsibly. The program 's fine print does not clearly disclose conditions for revocation. \n\nPromotional Bonus Denied : I was promised a {$270.00} ( later raised to {$300.00} ) new customer bonus if I met certain criteria. I did meet them and retained copies of promotional emails and qualifying direct deposits, but the bonus was denied without adequate explanation.\n\nUnauthorized Email Change : In XX/XX/XXXX, Fifth Third changed the email address associated with my account without my consent. I only found out after receiving confirmation at a different email address. This raises serious data security and privacy concerns. \n\nExcessive Fees : In total, I was charged {$1000.00} in NSF fees in XXXX, {$2000.00} in XXXX, and {$660.00} in the first half of XXXX, most of which occurred after Fifth Third blocked access to features that would have helped avoid the fees. \n\nLack of Documentation and Transparency : I received no written confirmation of the account downgrade or of changes to product features like XXXX, nor any timely notices about denied features. I also received only partial refunds for monthly debit card fees charged over 28 months. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-06-16T18:34:25.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"27278","tags":null,"has_narrative":true,"complaint_id":"14112163","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-06-16T18:19:20.000Z","state":"NC","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> : I relied on Fifth Thirds <em>XXXX</em> <em>service</em> ( an advance-on-deposit feature ) and paid over {$570.00} in fees since <em>XX/XX/XXXX</em>. In late <em>XX/XX/XXXX</em>, the feature was suddenly removed with no <em>warning</em> or explanation, despite having been previously used responsibly. The program 's fine print does not clearly disclose conditions for revocation. \n\nPromotional Bonus Denied : I was promised a {$270.00} ( later raised to {$300.00} ) new customer bonus if I met certain criteria."],"product":["Checking or savings <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[17.820751,"14112163"]},{"_index":"complaint-public-v1","_id":"2421183","_score":16.713678,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, my Internet service with XXXX XXXX was abruptly terminated without warning or notification of any kind \" for something you downloaded '', according to the explanation given to me by XXXX that day. In the absence of any written warning or notification of any kind, I could only conclude that this was a continuation of the efforts by XXXX to extort me into purchasing services & products from XXXX for which I had no use. Specifically, XXXX forced me to purchase an identical replacement for the Cable Modem I had previously used with XXXX earlier in the year unnecessarily when my service was activated on XX/XX/XXXX, falsely claiming that the model I was using was not being recognized on the XXXX XXXX ( despite the claims by XXXX that it was fully compatible with the service ), only to recant the following month when I told XXXX that I was going to cancel the service if they could not activate my replacement Modem. XXXX also tacitly threatened to throttle my service during the process of activating it if I did not upgrade the speed of my Internet Connection, falsely claiming that a natural \" bottleneck '' occurs after Internet service has been active for a certain period of time. \n\nSince it was clear that XXXX uses its services primarily to extort consumers and therefore offered me service under false pretenses, I immediately set about replacing my Internet service with XXXX and disputing the bulk of the credit card payments I had made to XXXX in an effort to recover the funds I had wasted on equipment in connection with both setting up my service with XXXX and also my efforts to replace it ( including being forced to purchase a Data Plan with XXXX on XX/XX/XXXX and also a DSL Modem for my new XXXX service ), totally about {$170.00}. Although the absence of any written notification regarding the termination of my service is a clear indication that there was no legitimate grounds for it and that XXXX intends to use it to extort me, XXXX has has claimed in connection with my BBB Complaint regarding the matter that my service was \" suspended for abuse '' on XX/XX/XXXX and then \" terminated for non-payment '' on XX/XX/XXXX because of the credit card payments I disputed. \n\nHowever, this assertion by XXXX is very much at odds with the fact that the merchant 's response to my BBB & FCC Complaints remains the only written acknowledgment I have received from XXXX regarding either a suspension or disconnection of my Internet service ( XXXX actually claimed in my BBB Complaint that my account had been sent to Collection Agency, which I have also as yet received no notification concerning ) and also with the fact that XXXX continued to assess me the normal monthly fee of {$39.00} right up until XX/XX/XXXX ( even the bill XXXX XXXX on XX/XX/XXXX, the day after XXXX claims my service was \" terminated for non-payment '', reflected \" New Charges '' in the amount of my normal monthly service fee covering the time-frame from XX/XX/XXXX to XX/XX/XXXX ), as I have been assessed back charges from XXXX for the time-frame wherein XXXX now acknowledges my service was either suspended or disconnected. Furthermore, XXXX continuously assessed me fraudulent returned payment fees in connection with its efforts to use the credit card that I deleted as a payment method in my online XXXX account on XX/XX/XXXX and which XXXX fraudulently retained access to in order to continue assessing me monthly fees for service which XXXX freely admits now was suspended and subsequently disconnected, despite the disputes I have filed with my card issuer against the merchant, which would cause any additional transactions from XXXX to be declined.","date_sent_to_company":"2017-04-05T19:25:37.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"31210","tags":null,"has_narrative":true,"complaint_id":"2421183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Berlin-Wheeler, Inc. (Kansas)","date_received":"2017-04-05T19:25:36.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["On <em>XX/XX/XXXX</em>, my Internet <em>service</em> with <em>XXXX</em> <em>XXXX</em> was abruptly terminated without <em>warning</em> or notification of any kind \" for something you downloaded '', according to the explanation given to me by <em>XXXX</em> that day. In the absence of any written <em>warning</em> or notification of any kind, I could only conclude that this was a continuation of the efforts by <em>XXXX</em> to extort me into purchasing <em>services</em> & <em>products</em> from <em>XXXX</em> for which I had no use."]},"sort":[16.713678,"2421183"]},{"_index":"complaint-public-v1","_id":"22535077","_score":16.340508,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Draft Company Name : Citibank , N.A . \nConsumer Product : Credit Card and Bank Account ( Checking ) I am filing this complaint against Citibank for the abrupt, unexplained, and severe closure of multiple healthy financial accountsincluding a newly transitioned XXXX XXXX co-branded credit card and an active, perfectly maintained Citi Checking accountwithout any prior warning, justification, or notice. \n\nMy credit card account was originally with XXXX and was transitioned to Citibank over the XXXX XX/XX/XXXXportfolio migration as Citi became the exclusive issuer for XXXX XXXX AAdvantage cards. The transition initially appeared successful, and I received the card. However, only a couple of weeks later, the credit card account was suddenly closed. Simultaneously, and even more alarmingly, my long-standing, completely healthy Citibank checking account was also closed without warning.\n\nI am a professional XXXX, and my livelihood relies on stable, predictable banking and constant international and domestic travel. All of my accounts across both institutions have always been kept in excellent standing, with completely healthy balances and absolutely no history of banking issues, overdraws, or terms of service violations. To have a primary checking account shut down out of nowhere with no explanation is an incredibly disruptive action that jeopardizes my professional operations. \n\nFurthermore, the sudden closure of the credit card deeply impacts my career. As a professional XXXX, I am a frequent traveler with XXXX XXXX. Having an active AAdvantage credit card is a strict necessity for me, as it is a primary mechanism required to earn the XX/XX/XXXX needed to maintain my airline elite status for my heavy travel schedule. \n\nThe simultaneous shutdown of a migrated credit line and an unrelated, healthy checking account strongly points to a severe system glitch, a flawed sweeping algorithm, or an administrative error triggered during the mass XXXX-to-Citi portfolio transition.\n\nHope you review this ASAP and if possible send me an email as I Might be traveling if you mail is sent","date_sent_to_company":"2026-05-25T15:18:19.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"967XX","tags":null,"has_narrative":true,"complaint_id":"22535077","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-05-25T15:06:16.000Z","state":"HI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Draft Company Name : Citibank , N.A . \nConsumer <em>Product</em> : Credit Card and Bank <em>Account</em> ( Checking ) I am filing this <em>complaint</em> against Citibank for the abrupt, unexplained, and severe closure of multiple healthy financial accountsincluding a newly transitioned <em>XXXX</em> <em>XXXX</em> co-branded credit card and an active, perfectly maintained Citi Checking accountwithout any prior <em>warning</em>, justification, or notice."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[16.340508,"22535077"]},{"_index":"complaint-public-v1","_id":"3834250","_score":15.961102,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am writing to file a complaint against TD Card services for falsely claiming to thoroughly investigate my dispute and finding in favor of a fraudulent company. \n\nOn XX/XX/2020, I purchased what I believed to be authentic wireless XXXX  headphones for my XXXX year old son. I should have known the price was too good to be true, but the site claimed these headphones were real XXXX. The site goes by XXXX, uses the XXXX XXXX XXXXXXXX XXXX XXXX, and photos and descriptions of XXXX products. The site has the real XXXX  price crossed out and the discounted price of {$69.00} listed. \n\nAfter I made my purchase, I decided to look into this company. Something didnt seem right. It did not take me long to notice this company is a scam. On the websites contact page, there were many misspellings ( for example, address was spelled adress ). The address, XXXX XXXX XXXX XXXX, XXXX, Louisiana, XXXX, USA,  is not a real address.The phone number is not legitimate either. I tried calling the company to cancel my order, but the phone number was constantly busy. The site claims fast free 2-day delivery, but the company took a week to supply a tracking number, and then I saw the product was being shipped from XXXX.I did more research, and found XXXX to be listed on sites that report scams. I also found an abundance of complaints and warnings against this company. The company has since changed their name to XXXX and they seem to change their name every couple of months, On XX/XX/XXXX, I contacted TD Card services to dispute the charge. TD Card services told me the payment was still pending and that it needed to post before I could file a dispute for counterfeit merchandise. On XX/XX/2020 I filed a dispute for {$69.00}. \n\nThe headphones were shipped from XXXX, XXXX, on XX/XX/2020 and arrived to me on XX/XX/2020. I did not open the package and refused it. The package was returned to XXXX, XXXX, on XX/XX/2020. \n\nOn XX/XX/2020, TD Card services called me to ask if I received this package. I told them that I refused the package because the headphones are counterfeit, and that the package was received by the XXXX company on XX/XX/2020. I gave TD Card services the tracking number so they could investigate further and see that the item was returned. \n\nFour days later, on XX/XX/2020, TD Card services sent me a letter rejecting my dispute and finding in favor of this scam company, claiming they were able to get in touch with the merchant and that I received the product I ordered. The {$69.00} was charged back to my account. \n\nI called TD Card services to appeal their denial of my dispute, and was told that it is up to the investigator to open up the case again. The representative would not let me speak to an investigator and said there was not much more that could be done. \n\nI am filing a complaint against TD Card services for claiming to investigate thoroughly and properly. I find it hard to believe that they were able to contact the merchant when I was not able to do so with a false phone number and address. TD Card services simply asked me if I received the merchandise, ignoring the information that I gave them about returning the merchandise and providing proof of receipt of the return with a tracking number. They allowed this scam company to keep my money, and I am now without the merchandise and at a loss of {$69.00}.","date_sent_to_company":"2020-09-07T04:30:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"3834250","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2020-09-07T04:19:33.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The site claims fast free 2-day delivery, but the company took a week to supply a tracking number, and then I saw the <em>product</em> was being shipped from <em>XXXX</em>.I did more research, and found <em>XXXX</em> to be listed on sites that report scams. I also found an abundance of <em>complaints</em> and <em>warnings</em> against this company. The company has since changed their name to <em>XXXX</em> and they seem to change their name every couple of months, On <em>XX/XX/XXXX</em>, I contacted TD Card <em>services</em> to dispute the charge."]},"sort":[15.961102,"3834250"]},{"_index":"complaint-public-v1","_id":"3833339","_score":15.749666,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The name of this company is PayPal ; if you do a XXXX search you'll find numerous complaints about this company holding/freezing funds without warning even though the company may have pre-dated an issue with an account holder. Yes pre-dated ; a transfer occurs then an issue with the account is flagged but the account holder was not alerted prior to the action.\n\nI'm an online teacher. Due to the COVID19 lock downs I'm unable to work in various XXXX countries. I've been trying to get work online and was able to do so with XXXX XXXX XXXX XXXX who is based in California but operates branches world wide. Unfortunately most online schools remit to teachers through PayPal ; PayPal cloaks it's rules and regs with verbose and vague language designed to confuse and create in the mind of the account holder that it operates openly and fairly to protect the consumer. \nNot even close. \n\nAbout 2 months ago I received a {$58.00} payment from the school mentioned above. My account was immediately locked and I was told to call the customer service center. I complied to the call request only to find out on several occasions that the XXXX XXXX had limited hours due to COVID19 \" restrictions ''. Limited meaning every time I called I got the same automated message and never spoke to a human. \n\nI then began sending emails to XXXX XXXX CEO of PayPal.  While he didn't respond I noticed that the customer service activity increased : I began receiving direct emails instead of copy and paste regs. On at least 2 attempts PayPal tried to call me from a service center in XXXX but I was not available when they called. I also had issues transferring the funds to the bank as PP constantly kicked back the transfer saying \" there's something wrong with the bank account ''. What was wrong was never indicated so instead I just listed a different account. Finally the funds got transferred some XXXX weeks after receiving them. \n\nNow, on XX/XX/XXXX, I received another payment from the school for online teaching in XXXX this time for {$370.00}. Again PayPal immediately locked the account and for no apparent reason deleted the picture ID I had on file there. They flagged my account with : '' Verification needed '' and \" verification of the goods or services sold needed '' as well. I'm not sure what is confusing about \" I'm an online teacher I'm not selling a good or service '' but there must a  communication XXXX on the side of PayPal. \n\nI complied with their requests and immediately sent an email once again to XXXX XXXX the CEO detailing the latest fandango I'm required to satisfy. Additionally I sent multiple complaints to PayPal 's customer service center regarding this issue. \n\nToday, XX/XX/XXXX, PayPal sent me an email notifying me that my account had been restored. However the funds are still frozen for what I'm to understand could be as long as 60 days. Not acceptable. Again I messaged complaints to the 2 entities already mentioned. They offered to \" get funds faster '' by providing details on the product or service sold. I don't have a product or service I'm an online teacher. It appears PayPal wants to freeze funds until after the XX/XX/XXXX election in America ; again not acceptable or necessary.","date_sent_to_company":"2020-09-07T06:40:17.000Z","issue":"Confusing or missing disclosures","sub_product":"International money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3833339","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2020-09-07T01:31:54.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Again I messaged <em>complaints</em> to the 2 entities already mentioned. They offered to \" get funds faster '' by providing details on the <em>product</em> or <em>service</em> sold. I don't have a <em>product</em> or <em>service</em> I'm an online teacher. It appears PayPal wants to freeze funds until after the <em>XX/XX/XXXX</em> election in America ; again not acceptable or necessary."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[15.749666,"3833339"]},{"_index":"complaint-public-v1","_id":"14696296","_score":15.711958,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau, We are submitting a formal complaint regarding Santander Consumer USA and a financed XXXX XXXX XXXX with XXXX XXXX XXXX. We are experiencing multiple serious issues involving both mechanical failure and odometer discrepancies, along with possible misrepresentation at the point of sale. \n\nSummary of Issues : XXXX XXXX XXXX Failure On XX/XX/XXXX, the vehicle showed serious powertrain trouble ( Codes : XXXX, XXXX ) via XXXX XXXX, with XXXX kilometers recorded. \n\nA dealership service report ( dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) confirmed : Knock sensor failure ( XXXX ). \nCylinder misfire and piston issues. \nOil leaks and corroded brake components. \nCurrent odometer reads XXXX miles, which is inconsistent with other recorded data. \n\nMileage Discrepancies The XXXX report shows irregular mileage entries, suggesting potential odometer rollback or misreporting. \n\nThis raises concerns about undisclosed damage, fraud, or a defective product misrepresented at sale. \n\nUndisclosed Accidents The vehicle history indicates two prior accidents that were not disclosed at the time of purchase. \n\nWe contacted Santander Consumer USA and formally XX/XX/XXXX requested the following : Suspension of loan payments while this dispute is under investigation. \n\nFull powertrain repair, engine replacement, or vehicle replacement under warranty. \n\nFormal investigation into mileage discrepancies and undisclosed damage at the time of sale. \n\nAccount remediation due to breach of merchantability and potential fraud. \n\nWe are submitting this complaint under our consumer protection rights, including provisions of the XXXX XXXX XXXX, which guarantees that products meet a minimum standard of quality and reliability. \n\nWe have the Supporting Documentation readily available upon request : Photo of odometer and dashboard warnings. \n\nXXXX XXXX Report ( XX/XX/XXXX ). \n\nXXXX XXXX XXXX XXXX Report ( XX/XX/XXXX ). \n\nXXXX XXXX XXXX Report We respectfully request CFPBs assistance in investigating this matter and ensuring a fair resolution. The vehicle is no longer drivable due to check engine light blinking when turned on and its at the XXXX XXXX XXXX dealership as of XX/XX/XXXX via tow truck. They refuse to take accountability of the odometer fraud and stated we are not covered under power train warranty as second owner of the vehicle. Santander Consumer USA has not yet responded with a satisfactory resolution, despite multiple contacts and escalations. \n\nSincerely, An consumer who never missed a payment","date_sent_to_company":"2025-07-16T02:23:58.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"14696296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-07-16T01:34:24.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["We are submitting this <em>complaint</em> under our consumer protection rights, including provisions of the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, which guarantees that <em>products</em> meet a minimum standard of quality and reliability. \n\nWe have the Supporting Documentation readily available upon request : Photo of odometer and dashboard <em>warnings</em>. \n\n<em>XXXX</em> <em>XXXX</em> Report ( <em>XX/XX/XXXX</em> ). \n\n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Report ( <em>XX/XX/XXXX</em> )."]},"sort":[15.711958,"14696296"]},{"_index":"complaint-public-v1","_id":"9743280","_score":15.471248,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/XXXX, I tried to send through Citibank a wire of {$6100.00} to my XXXX lawyer, however the account was blocked. When I called the wire department to find out why I cant send money to my lawyer, they advised me that the account was blocked by XXXX and the wire was cancelled. The Account blockage caused cancellation of all scheduled bill payments for credit cards, insurance, car lease, XXXX XXXX, apartment rent, transportation company services. Next morning, XX/XX/XXXX, I called again to the wire department and was told that XXXX unblocked the account, however the wire, initiated XX/XX/XXXX, couldnt be sent because it was cancelled the previous day and I need to generate another wire. I created a new wire and successfully sent it to the beneficiary. A few hours later Citibank sent the cancelled wire with no authorization from my side. The beneficiary got both transfers, but never returned XXXX. Who and when will return me the {$6100.00}? Who and when will reimburse me the late fees and penalties for the bounced checks? Citibank only reimbursed me the {$27.00} payment fee. \nCitibank for the last XXXX  years has never responded to the abovementioned questions, never disclosed the outcome from investigation of my complaint # XXXX started XX/XX/XXXX, by branch # XXXX XXXX XXXX XXXX XXXX and another investigation conducted by wire department case # XXXX. \nOn XX/XX/XXXX, I made a {$15000.00} deposit in the form of a check into Business Credit Line Account of Citibank 's XXXX. XXXX XXXX in Florida. Later this deposit disappeared from the bank 's records. \nOn XX/XX/XXXX, I attempted to wire {$10000.00} to XXXX of my suppliers, XXXX XXXX, a manufacturer of specialty food products located in the country of XXXX, as payment for a shipment of the specialty products that was ordered and received by me. The products manufactured by XXXX XXXX and that were ordered could not be bought anywhere else in the world. The funds would not go through because my account had been locked by Citibank without notice or warning. I called customer service at Citibank to find out why my account was locked, but no one could give me a reason, therefore. Thus, on XX/XX/XXXX, I received a letter from Citibank dated XX/XX/XXXX, stating that as of XX/XX/XXXX, my line of credit had been reduced to {$0.00}, thereby closing my business line of credit account, with serious consequences for my business. \nAs a result of the abrupt termination of the credit line, I could not make payments to XXXX XXXX. XXXX XXXX terminated its relationship with me due to nonpayment and no longer supplied its specialty food products. I could no longer distribute and sell the specialty food products from XXXX to my customers in the United States because of the termination of the business relationship with XXXX XXXX. This has led to the loss of hundreds of thousands of dollars in profits that I would have realized. Citibank, with actual knowledge of and reckless disregard for the truth, made false representations concerning the good standing of my credit line, a material fact insofar as I was concerned. \nAll my correspondence with Citibank didn't bring any results, they were just making up different reasons for terminating my account. In XXXX Citibank even obtained a default judgment against me ; however Honorable XXXX XXXX XXXX vacated the default judgment on XX/XX/XXXX. \nCitibank N.A. materially breached its fiduciary duties owed to me when failed to fulfil its obligations under the relevant contracts and agreements, evidenced bad faith in its dealings with me. Citibank made material misrepresentations too and fraudulently induced me into executing the relevant contracts and agreements. Citibank induced and encouraged me to place its faith and trust in Citibank in its granting me the credit line that I needed, and that Citibank knew I needed. Citibanks intentional and negligent actions in terminating the credit line for no apparent reason and its oppressive actions toward its customer in accelerating the balance of the credit line breached its fiduciary duties owed to me. Citibanks conduct was malicious and outrageous and warrants thorough investigation by CFPB and imposition of sanctions based upon the breaches of contract, breach of fiduciary duty, and the torts committed.\n\nThen I filed a complaint with CFPB, to what I got a response from CFPB that Citibank N.A. doesn't recognize me as its customer and they wouldn't investigate the matter, despite Citibank sent a letter to me ( CCd CFPB ) that they couldn't locate the deposit of {$15000.00}. See the above-mentioned letter attached. \nAfter my multiple calls to CFPB hotline the representative told me that they only investigate cases where a big number of customers is involved. Then I filed a second Complaint to Federal Reserve, the CFPB 's parent organization. The Federal Reserve redirected the Complaint to OCC - Office of the Comptroller of the Currency. The OCC forwarded it to CFPB, CFPB directed the Complaint to Citibank. At this point, the circle got closed. \nCFPB is the agency that claims to protect people from big banks. This agency that was supposedly put in place to protect consumersas the name suggestshas done just the opposite : two times covering the bank wrongdoers by opening and closing the XXXX cases ( case # XXXX & # XXXX ) without even any attempt to investigate my complaints.\n\nThat is why Im filing this third complaint, which is more extensive and detailed.","date_sent_to_company":"2024-08-13T17:40:30.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"333XX","tags":"Older American","has_narrative":true,"complaint_id":"9743280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-08T18:26:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["On <em>XX/XX/XXXX</em>, I attempted to wire {$10000.00} to <em>XXXX</em> of my suppliers, <em>XXXX</em> <em>XXXX</em>, a manufacturer of specialty food <em>products</em> located in the country of <em>XXXX</em>, as payment for a shipment of the specialty <em>products</em> that was ordered and received by me. The <em>products</em> manufactured by <em>XXXX</em> <em>XXXX</em> and that were ordered could not be bought anywhere else in the world. The funds would not go through because my <em>account</em> had been locked by Citibank without notice or <em>warning</em>."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[15.471248,"9743280"]},{"_index":"complaint-public-v1","_id":"17306851","_score":14.869603,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB Complaint Summary : XXXX XXXX  Data DenialCompany Involved : Blockchain.com ( Blockchain, Inc. ) Product/Service : Money transfer, virtual currency, or money serviceType of Problem : Money was not available when promised / Confusing or missing disclosuresSummary of ComplaintI am filing this formal complaint because Blockchain.com has repeatedly failed to comply with requests for archival data and compliance documentation related to a legacy wallet from the Blockchain.info era.DetailDescriptionInitial Account SetupWallet created on XX/XX/XXXX. Second associated wallet created in XXXX XXXX XXXX documentation suggests a balance of XXXX XXXX XXXX XXXX XXXX was expected/archived XXXX the XXXX period ( via the company 's referral program ). The funds were initially transferred through historical XXXX integrations, including XXXX and XXXX, between XXXX and XXXX Action Taken ( XXXX XXXX ) I submitted a formal request to Blockchain.com Support ( Ticket # XXXX ) seeking archived records and their data retention policy for XXXX users.Company ResponseSupport representatives repeatedly denied the request, stating they can not access the funds because the wallets are \" non-custodial. '' This reply does not address my request for archival metadata or compliance policy.Information Requested and DeniedI specifically requested a written confirmation of the Data Retention and Deletion Policy for legacy user archives and the contact information for their Compliance Officer. The company provided NO such information.Regulatory ContextThis lack of data access is critical, as a separate regulatory body ( XXXX, XXXX ) has issued a warning that the former entity 's identity is being misused in a fraud scheme. The company 's refusal to provide archival data or policy clarification prevents me from fully resolving this historical security matter.I require the CFPB to mandate that Blockchain.com Compliance provides a formal written statement addressing their data retention policy for XXXX accounts and an explanation for the denial of access to archival metadata.","date_sent_to_company":"2025-11-17T14:39:13.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"184XX","tags":null,"has_narrative":true,"complaint_id":"17306851","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Blockchain.com, Inc.","date_received":"2025-11-17T14:24:27.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Account</em> SetupWallet created on <em>XX/XX/XXXX</em>."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[14.869603,"17306851"]},{"_index":"complaint-public-v1","_id":"19203220","_score":14.391513,"_source":{"product":"Credit card","complaint_what_happened":"Deceptive Marketing & Unfair Financial Practices Company : American Express Product : Credit Card ( Platinum Card ) Issue : Problem with a rewards program / Credit limit or balance issues The Complaint Text : I am filing this formal complaint against American Express for a pattern of deceptive marketing, structural service failures, and the unfair restriction of my financial assets. \nXXXX. Deceptive Denial of XXXX Welcome Offer In XX/XX/XXXX, I was approved for the Platinum Card with a XXXX offer. Due to severe miscommunication between Amex departments within XXXX minutes of approval, I attempted to cancel. Amexs internal silos failed to coordinate ; they ignored my instruction and shipped the card anyway. This first card was never activated. In XX/XX/XXXX, instead of providing a professional 'Account Reinstatement, ' Amex representatives directed me to open a new account. Amex is now using this 'second account ' statusa situation created by their own staff 's improper guidanceto deny the XXXX points. I have processed {$41000.00} USD in 60 days, exceeding the spend requirement of {$8000.00} within the 6 months of getting the card ( See Attachment XXXX ; Amex XXXX Membership Reward Points ) by over 500 %. Denying this bonus based on an internal XXXX error is a bad-faith business practice. \nXXXX. False Advertising : 'No Preset Spending Limit ' and Arbitrary Penalties American Express markets the Platinum Card as having 'No Preset Spending Limit, ' a claim they use to induce high-spend customers to join. However, my experience reveals this to be false advertising. \nPremature Penalization : On XX/XX/XXXX, Amex issued a warning that 'Future Transactions May Be Declined ' ( See Attachment XXXX ). \nThe Breach of Terms : On XX/XX/XXXX, Amex followed through and declined my transactions ( See Attachment XXXX ). This occurred despite my official payment due date being XX/XX/XXXX. \nThe Core Issue : Amex effectively revoked my spending power 15 days before the bill was due, despite my account being in good standing. This arbitrary restriction makes their 'No Preset Spending Limit ' ( See Attachment 4 ) claim deceptive, as they are capping my spending without any missed payments or due-date violations. \nXXXX. Punitive Payment Holds on Verified Funds To restore service, I made a proactive payment of {$32000.00} USD on XX/XX/XXXX ( See Attachment XXXX, Amex Payment XXXX XXXX XXXX  Confirmation ). This is double the required amount and was issued from my verified account at XXXX XXXX XXXX XXXX XXXX. Despite accepting my {$32000.00}, Amex has imposed a \" XXXX verification hold, ' blocking my card access. It is predatory to demand early payment, accept a customers liquid capital, and then continue to deny service for a bank account already on file.","date_sent_to_company":"2026-02-03T06:31:49.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"795XX","tags":"Older American","has_narrative":true,"complaint_id":"19203220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-02-03T06:12:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Deceptive Marketing & Unfair Financial Practices Company : American Express <em>Product</em> : Credit Card ( Platinum Card ) Issue : Problem with a rewards program / Credit limit or balance issues The <em>Complaint</em> Text : I am filing this formal <em>complaint</em> against American Express for a pattern of deceptive marketing, structural <em>service</em> failures, and the unfair restriction of my financial assets. \n<em>XXXX</em>."]},"sort":[14.391513,"19203220"]},{"_index":"complaint-public-v1","_id":"3026351","_score":14.131125,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I was applied to both Cha\n\nse Sapphire Reserve and was approved. Since the lending APR and credit limits can vary between products, and to help organize my expenses, I applied for the Chase Sapphire Preferred and was also approved. Two different credit card products, both with ***approved** credit lines*.\n\nDuring the shipping itself of the cards, there were two fraudulent charges made on one of the cards. Somewhere, there must have been a database leak or the credit card number was recycled by the issuer and my account was compromised. I had to call Chase to report the fraud, and then wait for the closed account to ship a new card. This is one third of the complaint - fraudulent charges before the card even arrives in the mail. \n\n\nThe next issue is that, after calling in the fraud and going on travel, I then received an account cancellation for the same card during my travel. Not only is my card unsecure and exposed through Chase 's systems before I have access to the card number ( maybe an issue with the shipper or electronic security? ), but now it gets closed as well. The account closure without recourse or warning is the second-third of the complaint. \n\n\nAfter returning from the trip, I called in to figure out the issue and work together on a solution to keep the accounts open and in good standing with the issuer. The first call I was put on hold, waited a few minutes, then was disconnected by chase before even speaking with somebody. Then, I called again. Again, I was put on hold after verifying my information before then being disconnected by Chase before being connected to a customer support agent. This is the third part of the issue, but the story continues ... \n\n\nFinally, on the third attempt, I was transferred around to three different people over the course of 45 minutes. Each time I explained that I was approved for both, already experienced fraudulent charges on the card before it even arrived in the mail, and that I would like to know what caused the account closure & a way to keep it open/reconcile. Instead, each told me that it was 'impossible ' to re-open accounts, and then admitted themselves that they don't have the authority to re-open them. I even asked one, quote : \" So you're saying the CEO himself couldn't authorize this account '' and was told \" no ''. The result of this exchange felt incredibly dishonest and unfair to me as a consumer. \n\n\nAs for my attempts to reconcile, their reasoning was that their policy is against two products in the same credit line. However, I was already approved for both. It was through *their* system, using the same information twice. There is no fraudulent information in the applications. The only risk I can think of is the credit line exposures of two credit cards, so I offered a solution to lower the credit lines on both cards to match the original credit line of one of them ( since the credit lines are XXXX and XXXX, an example refactoring would be XXXX and XXXX respectively ). This would maintain the risk of a single approval, and keep both accounts open while I look for an alternative product to match their policy. \n\n\nInstead, I was lied to about authorization ( not even the CEO can approve an exception to the policy, despite their letter saying lending services could re-evaluate the decision ), and was told that it was 'impossible ' to have both accounts, even though they are different products and that I had both accounts at the same time for several weeks - very much possible indeed. The reason for the closure was not due to any fraudulent information, and I offered to lower credit limits to mitigate any unintended exposure / risk to Chase. It is not fair to consumers that lenders approve their applications for different products, then close the accounts after a few weeks due to policy decisions. They did not work with me in any measure on reconciling this issue, so I am submitting a complaint to the CFPB to have this handled fairly. I am not responsible for mistakes in the software of Chase, and have tried to handle this to keep the accounts open & in good standing with reduced risk to Chase.","date_sent_to_company":"2018-09-21T23:46:16.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"22201","tags":null,"has_narrative":true,"complaint_id":"3026351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-09-21T22:54:41.000Z","state":"VA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["On <em>XX/XX/XXXX</em>, I was applied to both Cha\n\nse Sapphire Reserve and was approved. Since the lending APR and credit limits can vary between <em>products</em>, and to help organize my expenses, I applied for the Chase Sapphire Preferred and was also approved. Two different credit card <em>products</em>, both with ***approved** credit lines*.\n\nDuring the shipping itself of the cards, there were two fraudulent charges made on one of the cards."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[14.131125,"3026351"]},{"_index":"complaint-public-v1","_id":"3827613","_score":14.112473,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This week, I received a letter from Capital One dated XX/XX/XXXX informing me that my credit limit was being reduced \" to better fit my card usage, '' meaning that I'm not using my card enough not spending enough money. Reducing my limit caused my credit score to drop immediately and without warning, a situation I would like to avoid during such uncertain financial times. \n\nI opened my Capital One account in XXXX and have never made a late payment. I pay my balance in full. As a loyal and conscientious customer for close to 20 years, I called today ( XX/XX/XXXX ) to request that my original limit be reinstated. XXXX, the customer service person I spoke to, was not authorized to make the adjustment and I requested to be forwarded to a supervisor, XXXX. She also was unable to reinstate my original limit. I realize that declining my request is within the legal rights of the company. I also realize that credit card companies value customers who make frequent charges and don't pay their balance in full, a lucrative combination. \n\nWhat I find unacceptable is that the company offers no further opportunity for any communication or arbitration on the matter. XXXX can escalate my complaint to \" Tier  2, '' but she admitted that there is no chance that the escalation will result in any contact whatsoever from any representative of the company. She reluctantly and very politely conceded that no-one will ever call me back, respond to any written request, or consider any other circumstances. There is no reconsideration, appeal process, or opportunity to communicate further. There is not a single person I can speak to to address what I believe is unfair treatment, taking advantage of longstanding customers who are in need of financial security during this time of financial upheaval due to Covid. Capital One 's \" mission to change banking for good by offering great products, services, and rewards to our customers '' is simply not true. A customer with a concern isn't permitted to even speak or write to a person in leadership willing to respond.","date_sent_to_company":"2020-09-03T05:35:29.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"14534","tags":null,"has_narrative":true,"complaint_id":"3827613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-09-03T00:46:04.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["This week, I received a letter from Capital One dated <em>XX/XX/XXXX</em> informing me that my credit limit was being reduced \" to better fit my card usage, '' meaning that I'm not using my card enough not spending enough money. Reducing my limit caused my credit score to drop immediately and without <em>warning</em>, a situation I would like to avoid during such uncertain financial times. \n\nI opened my Capital One <em>account</em> in <em>XXXX</em> and have never made a late payment. I pay my balance in full."],"sub_issue":["Problem with customer <em>service</em>"]},"sort":[14.112473,"3827613"]},{"_index":"complaint-public-v1","_id":"15332663","_score":14.047175,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint regarding Chases decision to abruptly close 3 accounts following three returned payments in XX/XX/XXXX, all of which were successfully reprocessed and cleared within days. \n\nPayments for three separate Chase accounts were returned due to insufficient funds. These payments were roughly {$12.00}, {$310.00} and {$1200.00}. I immediately resolved each issue, and all three payments cleared on retry within a few days. \n\nDespite this, Chase closed all affected accounts late at night on XX/XX/XXXX, without prior notice, warning, or any opportunity to respond. When I contacted customer service, I was told they couldnt help and gave me a phone number for their Security Department. I was also told I would receive a letter in the mail explaining the closures.\n\nI did not call the Security Department, as I was waiting for the promised letter. Based on similar cases from banks like Chase, I expect the letter to contain vague, boilerplate language about account closure decisions and risk management policieswithout addressing the actual facts of my situation. If Chase intends to justify closing multiple accounts over returned payments that were promptly corrected, they should be required to explain that rationale clearly and specifically.\n\nIve been a Chase customer for a long time ( at least 20 years ), with no history of defaults or delinquencies. One of the closed accountsending in 2025had accrued substantial interest payments over time, for example {$6000.00} in XXXX alone, especially as it had an APR of 29.99 %, which is blatant robbery given that my credit is excellent. The day before the closures, I paid off the account ending in XXXX in full via a XXXX balance transfer. The other two accounts had always been paid in full and never generated interest fees for Chase. \n\nAll three accounts also earned rewards for customer usage, which Chase actively promotes as a benefit of their products. Shutting down accounts that were responsibly managed, promptly corrected, and actively used for rewards undermines Chases own value proposition and raises serious questions about their motives. \n\nThe timing and pattern suggest these closures may have been retaliatory rather than risk-based. More concerning, the accounts were shut down late at night without warning. If I had been traveling or away from home, I could have been left stranded with no access to funds. This kind of abrupt, unannounced action poses real harm to customers and shows a lack of basic consideration. \n\nAdditional Concerns : Lack of Transparency in Risk Criteria : Chase has never disclosed what specific criteria triggered the closures. If returned paymentseven when resolvedautomatically result in termination, that should be clearly stated in their terms. The absence of transparency makes it impossible for customers to understand or avoid triggering punitive action.\n\nNo Opportunity to Cure or Appeal : Most financial institutions offer a grace period, warning, or appeal process before closing accounts. Chase offered none. I was given no chance to cure the issue, no hearing, and no recourse. This violates basic principles of fair treatment and due process in consumer banking. \n\nImpact on Credit and Financial Planning : Abrupt account closures can affect credit utilization ratios and long-term financial planning. I rely on these accounts for routine transactions, budgeting, and credit history. Chases actions may have downstream effects on my credit profile, despite no actual default or delinquency.\n\nContradiction of Chases Public Messaging : Chase markets its products as customer-friendly, reward-generating, and built for long-term relationships. Their decision to shut down responsibly used accountswithout notice or explanationcontradicts their public messaging and undermines consumer trust. \n\nPotential Pattern of Retaliation : The timing of the closuresimmediately after a XXXX  balance transfersuggests retaliation rather than risk mitigation. If Chase is closing accounts to punish customers for reducing interest exposure, thats a serious abuse of power and should be investigated.","date_sent_to_company":"2025-08-16T04:25:34.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"10128","tags":null,"has_narrative":true,"complaint_id":"15332663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-16T03:50:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Despite this, Chase closed all affected <em>accounts</em> late at night on <em>XX/XX/XXXX</em>, without prior notice, <em>warning</em>, or any opportunity to respond. When I contacted customer <em>service</em>, I was told they couldnt help and gave me a phone number for their Security Department. I was also told I would receive a letter in the mail explaining the closures.\n\nI did not call the Security Department, as I was waiting for the promised letter."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[14.047175,"15332663"]},{"_index":"complaint-public-v1","_id":"8093614","_score":13.876266,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear FCC, I am writing to file a formal complaint against Square Inc., a payment processing company, regarding the unjustified deactivation of our business account and the withholding of our funds. Our company, XXXX, is a legitimate hemp business that has been unfairly subjected to discriminatory practices by Square Inc. Here are the details of our complaint : 1. **Account Deactivation : ** On XX/XX/XXXX, without any prior warning or specific reason provided, Square Inc. deactivated our business account. This sudden deactivation has severely disrupted our operations, preventing us from processing payments for our products and services. 2. **120-Day Fund Hold Policy : ** Square Inc. has a stated policy of holding funds for 120 days following account deactivation. However, as of today, XX/XX/XXXX, we have not received our funds or any resolution to this matter. 3. **Lack of Communication : ** Despite numerous attempts to contact Square Inc. and request an explanation for the account deactivation, we have been met with silence. Furthermore, Square Inc. has not allowed us to speak with an account specialist or provided a specific reason for the deactivation, leaving us in the dark regarding the circumstances. 4. **Discriminatory Practices : ** We strongly believe that our account deactivation and the withholding of our funds are a result of discriminatory practices. As a hemp company, we feel that we are being unfairly targeted and subjected to financial harm without just cause. We request the FCC to investigate this matter thoroughly and take appropriate actions against Square Inc. for their unjust treatment of our business. We seek the following outcomes : 1. The immediate release of our withheld funds in accordance with Square Inc. 's own policy. 2. A transparent and detailed explanation from Square Inc. regarding the specific reasons for our account deactivation. 3. An investigation into whether our business was discriminated against due to its affiliation with the hemp industry. 4. Appropriate penalties and corrective actions to ensure that Square Inc. adheres to fair and ethical business practices in the future. We appreciate your prompt attention to this matter, as the unjust withholding of our funds has had a significant impact on our ability to operate and serve our customers. We look forward to a resolution that upholds fairness and justice.","date_sent_to_company":"2024-01-02T22:27:28.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"53132","tags":null,"has_narrative":true,"complaint_id":"8093614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-01-02T22:22:30.000Z","state":"WI","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["**<em>Account</em> Deactivation : ** On <em>XX/XX/XXXX</em>, without any prior <em>warning</em> or specific reason provided, Square Inc. deactivated our business <em>account</em>. This sudden deactivation has severely disrupted our operations, preventing us from processing payments for our <em>products</em> and <em>services</em>. 2. **120-Day Fund Hold Policy : ** Square Inc. has a stated policy of holding funds for 120 days following <em>account</em> deactivation."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Other banking <em>product</em> or <em>service</em>"]},"sort":[13.876266,"8093614"]},{"_index":"complaint-public-v1","_id":"2936824","_score":13.824792,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX or there about I noticed many of my apps that I have given permission to use my financial data no longer had access to this information. This included XXXX, XXXX  and XXXX. These are apps I rely on for budgeting, saving on gas and saving money in a savings account separate from XXXX XXXX XXXX. I contacted them via XXXX CS on XX/XX/XXXX, XXXX, XXXX and XXXX. I finally received an answer from them on the XXXX stating that they had changed security protocols and that the services I used had not updated their systems to comply. XXXX and XXXX have since been able to reaccess my data although in XXXX 's case it still seems there are intermittent problems. Capital One never even responded to my concerns until I threatened a complaint and then only to state the security as I have stated. All other entities involved got in touch with me within one to two days and all of them have independently verified that XXXX XXXX XXXX has cut off access to them with little to no warning. Capital One solution is to use their apps and services and are unable to provide me with any information on when if ever they will allow these other businesses access to my data. As I have stated XXXX  and XXXX seem to have solved the connection problems at least partially and I am able to use their services intermittently. XXXX has not been resolved nor have I been able to get any further information regarding this matter from XXXX XXXX XXXX. I have no outstanding issues with Capital One. I have a checking account, savings account and Line of credit all in good standing as of today. All accounts have money in them and no contractual minimum amount is required. I am frustrated with the amount of information they have been willing to provide and with the slow pace of their responses. If I cut off access to their systems and allowed my accounts to go into debt or something similar they would demand immediate attention and probably fees and fines depending on the situation. I have money invested in a broker, a separate savings account, a retirement account and other services that require access to my primary bank accounts. I don't use my HSA, broker or 401k service on a daily basis, I am afraid when those companies do need access they will no longer have it, or if XXXX is a bad player and isn't using my information and funds in a safe way I would like to know so I can act accordingly. I feel like the onus at this point is on Capital One. No one else seems to be having trouble with these companies as far as I can tell on doing independent research and speaking with customer support for the other companies I have listed. If this is not able to be resolved shortly I will have no choice but to begin moving my money to other providers who can give me access to my information and provide customer support other than to recommend I use only products and services when spending my money. I feel like I have no other resources to get assistance short of this government complaint and/or possibly some kind of court action. It's not easy to wait for answers when they have control over a large portion of your liquid assets.","date_sent_to_company":"2018-06-15T07:02:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"757XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2936824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-06-15T06:05:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["On <em>XX/XX/XXXX</em> or there about I noticed many of my apps that I have given permission to use my financial data no longer had access to this information. This included <em>XXXX</em>, <em>XXXX</em>  and <em>XXXX</em>. These are apps I rely on for budgeting, saving on gas and saving money in a savings <em>account</em> separate from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. I contacted them via <em>XXXX</em> CS on <em>XX/XX/XXXX</em>, <em>XXXX</em>, <em>XXXX</em> and <em>XXXX</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[13.824792,"2936824"]},{"_index":"complaint-public-v1","_id":"18053224","_score":13.791566,"_source":{"product":"Credit card","complaint_what_happened":"I am a client of Chase Bank and currently hold both a Chase debit card and a Chase credit card. I have held the Chase Freedom XXXX  credit card since last year. \n\nI am writing to file a complaint regarding Chases handling of my account upgrade and my resulting loss of eligibility for the Chase Freedom XXXX {$300.00} new account opening bonus. \n\nI was interested in applying for the Chase Freedom XXXX card specifically because of the advertised {$300.00} sign-up bonus. Since XX/XX/year>, Chases website repeatedly indicated that my Chase Freedom XXXX  card would be automatically upgraded in approximately XXXX month. This information was misleading, as no clear or specific upgrade date was ever disclosed. \n\nBased on this information, I intentionally planned to apply for the Chase Freedom XXXX  card before any automatic upgrade occurred, so that I could qualify for the {$300.00} bonus. I attempted to prepare and apply last week, but received no clear response or warning from Chase. Then, on XX/XX/XXXX, my Chase Freedom XXXX  card was automatically upgraded without prior notice, approximately XXXX hours before I planned to submit my application. \n\nAs a result of this unexpected and undisclosed automatic upgrade, I immediately became ineligible for the {$300.00} bonus. I contacted Chase customer service to request an accommodation or bonus adjustment, explaining that I had relied on Chases own representations regarding the timing of the upgrade. Chase refused to provide the bonus and instead advised me to reapply for the same product, which is not possible and does not resolve the issue. \n\nI believe Chases actions were misleading and unfair to customers. The lack of advance notice regarding the automatic upgrade deprived me of a meaningful opportunity to apply for the advertised offer. Chases refusal to provide any remedy despite these circumstances is unreasonable and inconsistent with responsible customer service practices. \n\nI respectfully request CFPBs assistance in reviewing this matter and helping Chase honor the {$300.00} promotional bonus, or otherwise provide an appropriate resolution. \n\nThank you for your time and assistance.","date_sent_to_company":"2025-12-15T21:01:56.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"27707","tags":null,"has_narrative":true,"complaint_id":"18053224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-15T20:43:14.000Z","state":"NC","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I have held the Chase Freedom <em>XXXX</em>  credit card since last year. \n\nI am writing to file a <em>complaint</em> regarding Chases handling of my <em>account</em> upgrade and my resulting loss of eligibility for the Chase Freedom <em>XXXX</em> {$300.00} new <em>account</em> opening bonus. \n\nI was interested in applying for the Chase Freedom <em>XXXX</em> card specifically because of the advertised {$300.00} sign-up bonus."]},"sort":[13.791566,"18053224"]},{"_index":"complaint-public-v1","_id":"3116096","_score":13.7903185,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In summary : In XX/XX/XXXX, PayPal allowed an unauthorized payment to a software vendor from whom no services or products had been purchased and with whom I had no payment agreement. PayPal denied without explanation a detailed and documented claim. Furthermore, PayPal then demanded a social security number to close out the debit that unfairly and unreasonably resulted. \nDetails : The unauthorized transaction in my PayPal occurred on XX/XX/XXXX for an amount of of {$96.00} USD and the software vendor was XXXX XXXX, a.k.a. XXXX. ( Transaction ID XXXX - Seller info XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  Invoice ID XXXX XXXX XXXX XXXX XXXX XXXX )  XXXX had been issued an approved payment via PayPal of {$320.00} USD for a one time download and perpetual license for a software product on XX/XX/XXXX, just over a year before the unapproved payment occurred. \nA week before the XX/XX/XXXX unauthorized payment, on XX/XX/XXXX, PayPal provided a warning to me by email that the XXXX would be putting through the new - and unauthorized - $ XXXXUSD charge. At that time, I confirmed on the XXXX account that no subscription services were then ( or previously ) activated, no incremental purchases had been made, and no payment was due. Checking my PayPal account, I realized the unbeknownst to  me, PayPal had established a payment agreement from my account to XXXX. I cancelled that agreement through the PayPal website and received a confirmation of cancellation of the payment agreement in XX/XX/XXXX. ( PayPal email ID XXXX : XXXX : XXXX, received XX/XX/XXXX at XXXX XXXX   EDT ). At that point, I expected no further activity with XXXX on PayPal. \nOn XX/XX/XXXX, PayPal allowed the XXXX XXXX to make the unauthorized charge in question of {$96.00} USD and charged my credit card for that amount. On XX/XX/XXXX, I filed a complaint with PayPal ( PayPal Disputd Is XXXXXXXX ), and PayPal credited my account for the amount subject to resolution of the issue. My complaint included documentation of the points mentioned above ( i.e. evidence through screen snapshots from the XXXX account of absence of subscriptions or purchase and PayPals email confirmation of the cancellation of the billing agreement ). Given the clarity of the case, I expected easy resolution of what may have been a billing system glitch. I also attempted to email XXXX about the dispute via the email address made available through PayPal, and that email bounced. \n\nOn XX/XX/XXXX, PayPal without explanation denied the payment was unauthorized, debited my account for the {$96.00} USD, and asked me to pay that amount into my account to cover the debit. PayPals website will not allow me to submit further communications on this matter - it provides a form to fill in but then returns an error on submission. Attempts to contact PayPal by phone have twice resulted in  unreasonably extensive hold times after phone bank employees promise prompt action through collleagues. Recently renewed attempts to contact the vendor, XXXX, through its website did not work because of website error. The email address provided by XXXX via PayPal continues to bounce and attempting to make contact through the phone number provided by XXXX on PayPal results in a recorded message that the line has been disconnected. \nIn summary, PayPal allowed an unauthorized charge and denied without explanation a detailed and documented consumer claim about it. \nTo put this matter to rest, I planned to pay the amount with a credit card despite my dissatisfaction, and to subsequently close my PayPal account, but PayPal required my social security number to accept an electronic payment for the amount at this point, sensitive information that seems unnecessary to share in these circumstances, especially given the series of systems errors to date in this matter.","date_sent_to_company":"2019-01-03T22:40:50.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"10023","tags":null,"has_narrative":true,"complaint_id":"3116096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2019-01-03T20:34:06.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A week before the <em>XX/XX/XXXX</em> unauthorized payment, on <em>XX/XX/XXXX</em>, PayPal provided a <em>warning</em> to me by email that the <em>XXXX</em> would be putting through the new - and unauthorized - $ XXXXUSD charge. At that time, I confirmed on the <em>XXXX</em> <em>account</em> that no subscription <em>services</em> were then ( or previously ) activated, no incremental purchases had been made, and no payment was due."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[13.7903185,"3116096"]},{"_index":"complaint-public-v1","_id":"12912841","_score":13.683938,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint regarding JPMorgan Chase and the forfeiture of approximately XXXX XXXX Ultimate Rewards ( UR ) points following the closure of my personal and business credit card accounts, valued at $ XXXX. \n\nOn or around XX/XX/XXXX, Chase closed my accounts without prior notice. I later received a call from the Chase executive office, during which I was told that although my accounts were closed, I would be allowed to redeem or transfer the UR points. I was instructed to contact customer service to initiate the redemption process. \n\nI promptly called Chase customer service, who submitted an internal escalation ticket. However, a few days later I received a formal denial letter, stating that the points could not be transferred because the account was closed. \n\nI followed up with the executive office again, and this time was told that the points were forfeited due to the account not being used as intended. No specific violations or actions were explained, and I was given no prior warning or opportunity to remedy the situation. This explanation contradicts the original guidance I received from Chases own executive team.\n\nI have always acted in good faith, earned the points through regular spending, and was fully compliant with the cardholder terms to the best of my knowledge. I am extremely disappointed that I was led to believe the points could be used, only to be told later they were forfeited. \n\nWhat Im requesting : I am requesting that JPMorgan Chase : Provide a clear explanation of why my accounts were closed and why the points were forfeited, and if this is a permanent ban. \n\nAnd most importantly, allow me to redeem or transfer the XXXX XXXX UR pointseither to a travel partner, as a cash redemption, or to a linked household members account. \n\nThis is a substantial rewards balance earned legitimately through significant spending, and I feel Chases conflicting communications, lack of transparency, and abrupt forfeiture without recourse are unfair. \n\nCompany name : JPMorgan Chase Product : Chase Sapphire Reserve Credit card Issue : Rewards ( XXXX Ultimate Reward Points valued at $ XXXX ) Requested resolution : Authorization to redeem or transfer points earned prior to account closure.","date_sent_to_company":"2025-04-10T08:06:16.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"08854","tags":null,"has_narrative":true,"complaint_id":"12912841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-10T07:32:40.000Z","state":"NJ","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> regarding JPMorgan Chase and the forfeiture of approximately <em>XXXX</em> <em>XXXX</em> Ultimate Rewards ( UR ) points following the closure of my personal and business credit card <em>accounts</em>, valued at $ <em>XXXX</em>. \n\nOn or around <em>XX/XX/XXXX</em>, Chase closed my <em>accounts</em> without prior notice. I later received a call from the Chase executive office, during which I was told that although my <em>accounts</em> were closed, I would be allowed to redeem or transfer the UR points."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[13.683938,"12912841"]},{"_index":"complaint-public-v1","_id":"13423195","_score":13.675133,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Final Notice of Contract Rescission and Legal Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Date : XX/XX/XXXX TO : CSC-Lawyers Incorporating Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Credit Acceptance Corporation Attn : Legal Department XXXX Contract Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Notice to Agent is Notice to Principal / Notice to Principal is Notice to Agent FINAL NOTICE OF CONTRACT RESCISSION, HOLDER RULE LIABILITY, FCRA VIOLATIONS, AND DEMAND FOR RELEASE & REFUND Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX Contract Date : XX/XX/XXXX Dealer : XXXX XXXX XXXX XXXX XXXX XXXX, OH ) Dear Legal Department and Agents, I am issuing this formal Notice of Rescission and Breach of Contract related to the above-referenced vehicle financing agreement. This notice serves as documentation of unlawful credit practices, misrepresentation, hidden defects, and deceptive contract terms. The vehicle has serious mechanical failures including persistent dashboard warning lights, an active gas leak, and unsafe highway performance, which violate the implied warranty of merchantability under the Uniform Commercial Code ( UCC 2-314 ).\n\nI. LEGAL GROUNDS FOR CANCELLATION 1. Breach of Contract & Holder Rule ( 16 CFR 433.2 ) - I made a documented down payment of {$2000.00} as shown in the contract. \n- The selling dealer, XXXX XXXX XXXX, acted in deceptive ways by bundling {$2700.00} in unwanted XXXX and service products under high APR ( 24.99 % ) without adequate disclosure.\n\n- Under the FTC Holder Rule, Credit Acceptance is liable for all claims I could assert against the dealer.\n\n2. FCRA Violations ( 15 USC 1681s-2 ( b ) ) - Reported my account as 120-180 days late to all bureaus despite disputes and contradictory data.\n\n- Failed to update or correct inaccuracies for over 120 days in violation of XXXX XXXX standards.\n\n3. TILA & UDAP Violations - Charged {$1700.00} for service plans and {$980.00} for GAP without opt-out documents or disclosure.\n\n- APR of 24.99 % paired with bundled products is predatory and violates Ohios Consumer Sales Practices Act ( R.C. 1345 ).\n\n4. Deceptive Financing 16 CFR 444.3 / FTC Holder Rule - GAP and service contracts were disguised as mandatory. My signature was used to approve hidden interest-bearing products.\n\n5. Breach of Implied Warranty ( UCC 2-314 ) - Vehicle was delivered with hidden and dangerous defects ( gas leak, dash lights, poor highway safety ).\n\n- The vehicle was not fit for ordinary driving, violating implied warranty of merchantability.\n\n6. ECOA Violations ( 15 USC 1691 ) - I was denied right to negotiate APR or reject bundled products, likely based on SSI or disability status.\n\nII. FORMAL DEMAND I am exercising my legal right to rescind the contract and demand the following within 15 business days : 1. Full cancellation of the Retail Installment Contract.\n\n2. Permanent deletion of all Credit Acceptance tradelines from all credit bureaus.\n\n3. Release of lien on the vehicle.\n\n4. Refund of my {$2000.00} down payment.\n\n5. Written confirmation that no further collection or reporting will occur.\n\nFailure to comply will result in civil litigation and complaints to the CFPB, FTC, and Ohio Attorney General. \n\nSincerely, XXXX XXXX XXXX XXXX. This demand is also made under hardship protections due to my XXXX XXXX XXXX ( receiving SSI ) and the burden this loan places on our well-being. Protections invoked under : - ADA ( 42 U.S.C. 12101 et seq. ) - Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) - Consumer Financial Protection Act ( 12 U.S.C. 5481 )","date_sent_to_company":"2025-05-10T02:21:59.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"45342","tags":null,"has_narrative":true,"complaint_id":"13423195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2025-05-10T01:42:23.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with additional add-on products or services purchased with the loan"},"highlight":{"complaint_what_happened":["FOR RELEASE & REFUND <em>Account</em> Number : <em>XXXX</em> Vehicle : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Contract Date : <em>XX/XX/XXXX</em> Dealer : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, OH ) Dear Legal Department and Agents, I am issuing this formal Notice of Rescission and Breach of Contract related to the above-referenced vehicle financing agreement."]},"sort":[13.675133,"13423195"]},{"_index":"complaint-public-v1","_id":"18035689","_score":13.529646,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB CONSUMER COMPLAINT In or around XX/XX/year>, I terminated XXXX service after transitioning both mobile devices to another carrier. At the time of termination, the device associated with the account had been paid in full, and my historical monthly charges on a XXXX XXXX XXXX plan averaged approximately {$55.00} {$65.00} with applicable credits and promotions. \n\nDuring the same period, I maintained active XXXX XXXX service, confirming continuous telecommunications service elsewhere. After T-Mobiles migration to the XXXX XXXX XXXXXXXX Money platform , I lost reliable access to billing information and account functions. I could not view statements, receive billing notices, or meaningfully dispute any alleged balance. \n\nI did not receive any email notice, billing statement, in-app alert, or warning of delinquency or collection activity. Despite the lack of notice and the inability to access billing, an alleged balance of {$180.00} was assigned to a collection agency around XX/XX/year> and later reported to a credit bureau in XX/XX/year>, causing a documented XXXX XXXX XXXX XXXX  decrease.\n\nThe collection was reported after service termination, after device payoff, and without providing notice or an opportunity to dispute, resulting in inaccurate credit reporting and consumer harm. \n\nSee attached : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nAmsher Collection Services COMPLAINANT XXXX XXXX XXXX XXXX XXXX, Unit # XXXX XXXX, NY XXXX Email : XXXX PRODUCT / SERVICE Mobile Telecommunications Billing Credit Reporting Debt Collection ISSUE SUMMARY A {$180.00} collection account was improperly reported by Amsher Collection Services on behalf of XXXX without notice, without billing access, and after service termination and full device payoff. The account caused a documented 1XXXX XXXX XXXX XXXX decrease and resulted from billing errors and platform access failures following XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n\nDETAILED COMPLAINT I submit this complaint regarding wrongful billing, unlawful debt collection, and inaccurate credit reporting by XXXX XXXX XXXX XXXX and its collection agent, Amsher Collection Services . \n\nI was enrolled on a XXXX XXXX XXXX plan, which included military discounts, promotional credits, and holiday incentives. My monthly charges historically averaged approximately {$55.00} {$65.00}. I never received any bill, statement, or notice supporting the {$180.00} balance now being reported. \n\nDuring the same period XXXX  alleges delinquency, I maintained active XXXX XXXX service, with billing records confirming overlapping service. In XX/XX/year>, I transitioned both mobile devices to XXXX XXXX XXXX and terminated XXXX service. \n\nThe XXXX XXXXXXXX XXXX XXXX XXXX associated with this account was fully paid off, as confirmed by XXXX own order and payment confirmation. There is no lawful equipment or installment balance remaining. \n\nAfter service termination, XXXX XXXX XXXX T-Life, which consolidated billing, usage, and XXXX XXXX, caused loss of account access. Despite assurances that there would be no disruption, I could not view billing, transfer funds, or dispute any alleged charge. \n\nAt no time did I receive : Any email notice of delinquency Any billing statement showing {$180.00} owed Any in-app past-due alert Any notice of intent to assign the account to collections Nevertheless, the account was assigned to Amsher Collection Services on XXXX XXXX XX/XX/year>, and reported to Equifax on XX/XX/year>, causing a XXXX XXXX Score XXXX decrease ( to XXXX ). This is documented consumer harm. \n\nI am a XXXX veteran, a federally protected class member. Denial of access, failure of notice, and negative credit reporting without accommodation violate the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and disability-related protections.\n\nRELIEF REQUESTED 1. Immediate deletion of the XXXX / Amsher tradeline from all credit bureaus 2. Immediate withdrawal of the account from collections 3. Zeroing out of any alleged balance 4. Written confirmation that no further reporting will occur","date_sent_to_company":"2025-12-15T10:16:03.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"11201","tags":"Servicemember","has_narrative":true,"complaint_id":"18035689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Amsher Collection Services, Inc.","date_received":"2025-12-15T10:02:15.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["See attached : Consumer Financial Protection Bureau <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \nAmsher Collection <em>Services</em> COMPLAINANT <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Unit # <em>XXXX</em> <em>XXXX</em>, NY <em>XXXX</em> Email : <em>XXXX</em> <em>PRODUCT</em> / <em>SERVICE</em> Mobile Telecommunications Billing Credit Reporting Debt Collection ISSUE SUMMARY A {$180.00} collection <em>account</em> was improperly reported by Amsher Collection <em>Services</em> on behalf of <em>XXXX</em> without notice, without billing access, and"],"company":["Amsher Collection <em>Services</em>, Inc."]},"sort":[13.529646,"18035689"]},{"_index":"complaint-public-v1","_id":"18123686","_score":13.194132,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX Last XXXX digits of XXXX : XXXX Date : XX/XX/XXXX Early Warning Services , LLC XXXX : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Follow-Up Demand as Victim of Identity Theft Immediate Block and Permanent Deletion of Fraudulent Accounts Within XXXX Hours or No Later Than XXXX Business Days ; Reference Your Acknowledgment Dated XX/XX/XXXX Early Warning Consumer # XXXX Dear Early Warning Services, This letter serves as a formal follow-up to my initial dispute letter dated XX/XX/XXXX, and your acknowledgment letter dated XX/XX/XXXX ( Consumer # XXXX ). Despite your receipt of my FTC Identity Theft Report # XXXX and supporting documentation, you have not yet confirmed the blocking and permanent deletion of the fraudulent accounts on my consumer report. I am reiterating my demand for immediate action under federal law, as these fraudulent items continue to cause me severe harm. \nAs a victim of identity theft, I am disputing the following unauthorized and fraudulent accounts on my Early Warning consumer report. These accounts were opened without my knowledge, consent, or authorization using my stolen personal information ( including my name, address, phone number XXXX, and Social Security Number ending in XXXX ). I have no accounts, applications, or relationships with these entities, and these entries are the direct result of criminal fraud. \nThe ongoing presence of these accounts is inflicting substantial and irreparable harm, including : Blocking my ability to open new checking or savings accounts, as financial institutions rely on your reports to assess risk. \nCausing denials of essential banking services, loans, and financial opportunities, exacerbating my economic hardship. \nImposing higher fees, deposit requirements, or restrictions on any limited services I can access due to this false negative history. \nInflicting emotional distress, anxiety, and significant time loss in resolving this identity theft, which has persisted undetected for years. \nIncreasing the risk of further fraud, as these entries lend legitimacy to the thieves ' actions in the eyes of other institutions. \n\nPursuant to the Fair Credit Reporting Act ( FCRA ), you are required to block and permanently delete these fraudulent accounts within XXXX business days of receiving my documentation ( i.e., no later than XX/XX/XXXX ). However, given the immediate and escalating harm, I demand compliance within XXXX hours of receipt of this follow-up letter. Your failure to act expeditiously constitutes willful noncompliance, exposing XXXX XXXX XXXX to civil liability, including statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney fees under FCRA XXXX ( XXXX XXXX. XXXX ). As a specialty consumer reporting agency focused on banking reports, you are fully subject to these FCRA provisions, as confirmed by CFPB guidance and enforcement actions. \nThe fraudulent unauthorized accounts that must be blocked and permanently removed are : Fraudulent Checking or Savings Account XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$520.00} Details : I did not open or authorize this XXXX account. It is a product of identity theft, falsely signaling risky behavior and preventing me from accessing banking services. \nFraudulent Checking or Savings Account XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$3300.00} Details : This unauthorized XXXX XXXX account damages my banking profile. I have no relationship with XXXX XXXX, and its retention violates my rights under FCRA. \nFraudulent Checking or Savings Account XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$0.00} Details : This Chase account is fraudulent and part of the theft pattern, inaccurately portraying negative history and leading to denials. \nFraudulent Checking or Savings Account XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : [ Not Specified ; Discovered During Review ] Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$0.00} Details : Similar to the above, this is another unauthorized Chase entry from stolen identity, necessitating immediate deletion to halt ongoing harm. \n\nI have enclosed ( or previously provided ) the following documentation as required by FCRA XXXX : FTC Identity Theft Report ( Affidavit ) # XXXX Copy of my Social Security card ( front and back, showing last XXXX digits XXXX ) Note : The FTC Identity Theft Report serves as my official statement and is sufficient proof under FCRA, even without a separate police report. \n\nYour legal obligations include the following, with detailed explanations and penalties for noncompliance : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Identity Theft Information : As a consumer reporting agency ( CRA ), you must block reporting of any information identified as resulting from identity theft within 4 business days of receiving proper documentation. This provision mandates swift removal to protect victims. Your delay exposes you to liability under 1681n for willful noncompliance ( statutory damages {$100.00} {$1000.00} per violation, actual/punitive damages, attorney fees ).\n\nFCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Procedure in Case of Disputed Accuracy : Requires reasonable reinvestigation within 30 days, with deletion if inaccurate or unverifiable. For identity theft, expedited deletion is required ; failure triggers 1681n damages.\n\nFCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Duties of Furnishers Regarding Identity Theft : Prohibits furnishers ( e.g., XXXX, XXXX XXXX XXXX XXXX ) XXXX reporting known inaccurate information due to theft. You must notify furnishers to cease reporting and prohibit reinsertion without certification. \nFCRA 616 ( 15 U.S.C. 1681n ) Civil Liability for Willful Noncompliance : Allows recovery of actual damages, statutory damages ( {$100.00} {$1000.00} per violation ), punitive damages, and attorney fees for willful violations. Your inaction, despite clear evidence, qualifies as willful.\n\nFCRA 617 ( 15 U.S.C. 1681o ) Civil Liability for Negligent Noncompliance : Provides for actual damages and attorney fees even for negligent failures.\n\nCFPA 1031 & 1036 ( 12 U.S.C. 5531, 5536 ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Prohibits CRAs from acts causing foreseeable consumer harm. Maintaining fraudulent data is unfair/abusive, enforceable by CFPB with XXXX up to {$1.00} XXXX per day for knowing violations. Note CFPB 's recent enforcement against Early Warning for fraud-related failures ( e.g., Zelle lawsuit XXXX XXXX but highlighting scrutiny ). \nFDCPA XXXX ( XXXX XXXX. XXXX ) False or Misleading Representations : Bans deceptive practices; retaining fraudulent accounts misrepresents my history, harming access to services. \nFTC Red Flags Rule ( 16 C.F.R. 681.1 ) Identity Theft Prevention Programs : Requires you to detect and respond to red flags like my dispute ; ignoring them violates this rule.\n\nGramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ) Safeguards Rule : Mandates protection of consumer financial information ; your failure to promptly remove fraudulent data breaches privacy safeguards, subjecting you to CFPB/FTC enforcement XXXX \n\nEarly Warning 's history of CFPB scrutiny ( e.g., XXXX Zelle fraud lawsuit alleging lax fraud prevention ) underscores the need for compliance to avoid further actions. \nI demand : XXXX block and permanent deletion of all XXXX accounts within XXXX hours ( or by XX/XX/XXXX, per FCRA ) ; Written confirmation of deletion, steps taken with furnishers, and no reinsertion ; An updated consumer report showing removal ; Cease all reporting of these items. \n\nNoncompliance will prompt immediate CFPB/FTC complaints , NY AG referral ( noting their XXXX lawsuit against you ), and a lawsuit for maximum damages. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-04T03:54:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10705","tags":null,"has_narrative":true,"complaint_id":"18123686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-12-04T03:26:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, NY <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Last <em>XXXX</em> digits of <em>XXXX</em> : <em>XXXX</em> Date : <em>XX/XX/XXXX</em> Early <em>Warning</em> <em>Services</em> , LLC <em>XXXX</em> : <em>XXXX</em> <em>XXXX</em> Department <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, AZ <em>XXXX</em> Re : Follow-Up Demand as Victim of Identity Theft Immediate Block and Permanent Deletion of Fraudulent <em>Accounts</em> Within <em>XXXX</em> Hours or No Later Than <em>XXXX</em> Business Days ; Reference Your Acknowledgment Dated <em>XX/XX/XXXX</em> Early <em>Warning</em> Consumer # <em>XXXX</em> Dear Early <em>Warning</em> <em>Services</em>, This letter serves as a formal"],"company":["Early <em>Warning</em> <em>Services</em>, LLC"]},"sort":[13.194132,"18123686"]},{"_index":"complaint-public-v1","_id":"22869955","_score":13.111293,"_source":{"product":"Credit card","complaint_what_happened":"XXXX 1,2026 Credit Institution : XXXX XXXX XXXX Revvi / Total Card Inc.Product : Credit Account number ending XXXX XXXX : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) ; Withholding of unearned fees following a creditor-initiated account closure. \n\nStatement of Facts and Timeline : I am filing this formal complaint against MRV Banks ( operating as Revvi ) for deceptive billing practices, providing conflicting and impossible verification instructions, and unlawfully withholding a {$120.00} annual fee for services they intentionally refused to provide.I have maintained perfect compliance with my account terms, yet the bank has backdated an account closure and provided fraudulent justifications to keep my money. \n\nThe exact timeline of events is documented as follows : XX/XX/XXXX2026 : I opened the account, paid the required {$95.00} program activation fee, and used the card responsibly. \n\nXX/XX/XXXX2026 : I paid my full balance of {$320.00} on time, bringing my account balance to {$0.00}. \n\nXX/XX/XXXX : The bank charged, annually fee and I successfully paid in full, the {$120.00} annual fee for the upcoming year till XX/XX/XXXX of credit service. For card service XXXX XX/XX/XXXX : Without any prior notice, warning, or stated cause, the bank restricted and backdated the closure of my account. I was completely unaware of this action. \n\nXXXX XXXX, XXXX  : XXXX days after the internal closure date, the bank generated a letter that I received on XX/XX/XXXX. This letter explicitly stated : \" Please call this number to verify you have your card on you and we will release the hold. '' The written letter made absolutely no mention of requiring payment verification. \n\nXX/XX/XXXX2026 : I called the bank immediately upon receiving the letter. Over the phone, customer service completely shifted the requirements, stating my account was flagged and demanded proof that I was the owner of the bank account used to pay the XXXX bill. \n\nXX/XX/XXXX2026 ( Later that day ) : I immediately complied and faxed full bank statements proving all three historical payments. I called back that afternoon, and customer service verbally confirmed they received the documents and stated I would be notified. \n\nXX/XX/XXXX2026 : I attempted to use my card, and the transaction was declined, showing the account was closed. \n\nXX/XX/XXXXXXXX  : I received a second letter in the mail stating the account was closed because I \" failed to provide documents '' directly contradicting the verbal confirmation I received on XX/XX/XXXX. \n\nXX/XX/XXXX2026 ( XXXX XXXX ) : I spoke with XXXX \" XXXX. '' XXXX XXXX refused to issue a refund for the {$120.00} annual fee. She falsely claimed that I owed a balance on the account and that the {$120.00} fee had to cover it. This is a provable misrepresentation, as the bank 's own reporting portal shows a {$0.00} balance and 0 % utilization as of XXXX XXXX, 2026. \n\nUDAAP Violations & Desired Resolution : XXXX XXXX has XXXX in a textbook UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violation. They accepted a {$120.00} annual fee for a year-long credit service contract on XX/XX/XXXX, closed the account 8 days later on XX/XX/XXXX without notifying me and issued a letter with completely misleading instructions. \n\nXX/XX/XXXX, and are now utilizing false claims of an \" outstanding balance '' to illegally keep unearned fees.The contract was terminated entirely by the credit grantor, not by the consumer. \n\nTo resolve this matter I'm asking for them to retaining the {$120.00} annual fee constitutes theft of funds for services intentionally withheld. \nDesired Resolution : A full refund of the {$120.00} annual fee returned to my original payment method. \nA formal correction of internal bank records reflecting that I complied fully with all verification requests.","date_sent_to_company":"2026-06-10T22:10:25.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"30046","tags":null,"has_narrative":true,"complaint_id":"22869955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST PORTFOLIO SERVICING INC","date_received":"2026-06-03T22:20:00.000Z","state":"GA","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["For card <em>service</em> <em>XXXX</em> <em>XX/XX/XXXX</em> : Without any prior notice, <em>warning</em>, or stated cause, the bank restricted and backdated the closure of my <em>account</em>. I was completely unaware of this action. \n\n<em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>  : <em>XXXX</em> days after the internal closure date, the bank generated a letter that I received on <em>XX/XX/XXXX</em>."],"company":["FIRST PORTFOLIO <em>SERVICING</em> INC"],"company_public_response":["Company believes the <em>complaint</em> provided an opportunity to answer consumer's questions"]},"sort":[13.111293,"22869955"]},{"_index":"complaint-public-v1","_id":"3540060","_score":12.826508,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/XXXX Consumer complaint against BARCLAYS BANK PLC ( dba Barclaycard Ring Mastercard ) and XXXX XXXX ( dba XXXX ), individually and together. \n\nDear Consumerfinance.gov : I am making two consumer complaints that your agency can group as one or choose to select the appropriate party that is under your agencys regulatory jurisdiction. Regardless, I wanted you to understand how these two consumer driven businesses related to each other and how these businesses, as individual entities, and together as a group, acted in an unethical manner to blatantly deny my legitimate claim to funds. \n\nConsumer Complaint I am grouping Barclays Ring Mastercard ( Barclays ) and XXXX ( XXXX ) together here because both parties appear to have participated in a coordinated, or mutually beneficial manner, to : 1. Hid Barclays and XXXX incompetency, or possibly corrupt business practices, to charge me, the consumer, for items it knew I did not receive. \n2. Withhold funds owed me and/or my Barclays credit card account for XXXX own enrichment. \n3. Extort payment and interest from me by Barclays to recover alleged loses as a result of its own incompetence, corrupt business practices, or failure to obtain, through proper financial channels, reimbursement for funds provided XXXX. \n\nI have attached 15 documents sequentially marked spanning XX/XX/XXXX to XX/XX/XXXX, the nearly five-month period in which I tried to have my refund complaint resolved by Barclays and XXXX. \n\nThe documents chronicle the facts of this case. Those being that my initial purchase from the XXXX via a charge on my Barclays credit card, for a XXXX XXXX XXXX XXXX XXXX priced at {$1200.00} was proved never received by me and reimbursement for this charge denied me by both Barclays and XXXX. \n\nI spoke with dozens of customer service representatives, likely spending nearly 35-hours on the phone trying to resolve my credit issue. I have personal notes on practically every single call I made. Two such handwritten notes are included in the documents I have supplied. Other documents offered for review to Barclays and XXXX, such as a XXXX XXXX Police Department report on the missing XXXX phone and building security videos -- -both underscored my claim that the XXXX cellphone shipment never reach my address. \n\nHistory Barclays and XXXX, first rejected my claim based on false statements that both parties knew, or should have known, were untrue : The XXXX cellphone shipment had reached my address and XXXX verified delivery. \n\nBased on my independent investigation with XXXX   shipper XXXX, I proved XXXX erred. XXXX notified Barclays I was owed a full refund, as documents here prove. Further Barclays errored in rejecting my initial refund claim by blindly accepting XXXX erroneous claim that it had verified I received the computer in question, when in fact, a missing cellphone was the basis of my complaint, not a computer. Had Barclays dealt with me fairly and competently, it would have noted XXXX error and rejected its counter-claim. \n\nBarclays and XXXX initial goodwill cooperation was  soon sidetracked by petty squabbles between the two corporate giants. Each party blaming the other party for the failure to remove the charge on my credit card ( plus credit card interest ). In the end, after two and a half months into the second dispute opened by Barclays, Barclays informed me it were abandoning efforts to retrieve my reimbursement. Barclays argued it should not have opened the second dispute investigation because that opportunity had expired. But, it was opened by Barclays and given its own new case number. Further, had Barclays handled the first dispute in a competent manner, there would not have been a need for a second dispute. \n\nA Barclays customer representative also stated Barclays would not remove the erroneous XXXX charge of {$1200.00}. Instead, I would be charged for the XXXX phone I never received because Barclays had not been reimbursed by XXXX for the cost of the XXXX cellphone. There is more. Barclays, I was also told, would continue to charge me interest on the {$1200.00}. \n\nThe Barclays letter to me washing its hands of resolving the invalid this dispute, recommended I pursue credit by contacting the Merchant directly. I tried that approach. When I did, a XXXX representative stated XXXX will not return my fund to me ( to pay-off the Barclays charge ). XXXX, she said, would only return the funds to Barclays, something XXXX had failed to do after numerous attempts. Thus, XXXX is retaining, for its own enrichment, {$1200.00}. \n\nComplaint Resolution As a consumer, I am requesting your intervention on my behalf to : 1.  Direct XXXX to perform a speedy full refund to me by direct check or via Barclays charge card service, 2. Prevent Barclays Mastercards outrageous attempt to fraudulently bill me {$1200.00} plus interest, for a product it factually knows I never received and that through its own incompetency and possible corrupt business practices, allowed XXXX to extract from my account. \n\n3. Advise both Barclays and XXXX against any acts of vengeance, such as directly, or indirectly, damaging my credit or through other possible nefarious business practices. \n\nAttached Documents The following 15 attached documents, each with a brief annotation, support my claim against Barclays and XXXX. These documents and facts contained therein, are known to Barclays and XXXX. \n\n1 Original XXXX purchase order ( XX/XX/XXXX ) for a XXXX XXXX XXXX XXXX XXXX. Cost : {$1200.00} 2.Barclays letter ( XX/XX/XXXX ) regarding opening a dispute investigation with provision credit to the account of XXXX XXXX based on consumers claimed ordered product was never delivered. \n\n3, XXXX email letter ( XX/XX/XXXX ) alleging proof XXXX product ordered was delivered. XXXX states that XXXX did deliver a XXXX XXXX XXXX  and XXXX XXXX  keyboard to my address. I never ordered those products from XXXX and therefore, obviously, those products are not the subject of my dispute. No definitely proof is presented by XXXX proving delivery as XXXX claims. \n\n4. Based on XXXX email letter ( XX/XX/XXXX ), Barclays writes me ( XX/XX/XXXX ), denying my claim. Barclays closes investigation and reapplies interest charges for XXXX cellphone. Barclays reverses charge even though my complaint was nondelivery of a XXXX cellphone, not a computer. \n\n5. XXXX XXXX pursues proof of non-delivery of XXXX cellphone ( with assistance of a Barclays supervisor ). Follow-up with XXXX proves XXXX cellphone shipment was delivered and, in fact, considered lost by XXXX. XXXXXXXX further claims XXXX never asked if shipment was proved delivered and did not initiate an insurance claim for the lost shipment. Based on this new information, XXXX is requested to reopen case ( XX/XX/XXXX ). \n\n6. XXXX customer service representative email ( XX/XX/XXXX ) confirms XXXX can not account for XXXX cellphone or its delivery. XXXX reimburses XXXX for XXXX phone cost. Email states processed refund. This is the first attempt by XXXX to refund cellphone cost. \n\n7. XXXX email notice ( XX/XX/XXXX ) confirms refund attempt. Unfortunately, refund is unsuccessful. XXXX claims Barclays rejected XXXX  effort to reimburse my account. The claim is repeated after subsequent failed attempts. \n\n8 XXXX refund notice ( XX/XX/XXXX ) regarding second attempt. Refund process is unsuccessful. XXXX claims Barclays rejected XXXX  effort to reimburse my account. \n\n9. XXXX refund notice ( XXXX regarding third attempt. Refund process is unsuccessful. XXXX claims Barclays rejected XXXX  effort to reimburse my account. \n\n10. XXXX customer service representatives email ( XX/XX/XXXX ) acknowledges continued refund problems with Barclays. XXXX customer service representative offers to reimburse me in full via a check from XXXX. \n\n11 XXXX XXXX XXXX ( XX/XX/XXXX ) to Barclays requesting a second provisional credit on my account and an investigation be initiated based on proof that XXXX phone ordered from XXXX was never delivered and due to Barclays blocking refund from XXXX, alleged by XXXX. \n\n12. XXXX XXXX notes ( XX/XX/XXXX ) regarding phone conversation with Barclays customer service representative who tells Barclays will continue dispute investibation. New case number given to investigation. \n\n13 Barclays letter ( XX/XX/XXXX ) stating it is, suddenly and without warning, abandoning efforts to have XXXX reimburse me for the nondelivered XXXX cellphone. Barclays states time has lapsed for opening a second dispute. Yet, Barclays officially reopened the dispute two and a half months ago with a closing date for the case of XX/XX/XXXX. Letter states I should follow up with merchant XXXX for the refund. \n\n14. XXXX XXXX notes ( XX/XX/XXXX ) regarding Barclays refusal to continue investigation. \n\n15. XXXX XXXX notes ( XX/XX/XXXX ) following contact with XXXX customer representative regarding my refund, as Barclays directed. XXXX customer representative states XXXX will not send me a refund check. XXXX will only make a refund if requested by Barclays. I explain Barclays directed me to get refund from XXXX and that XXXX has previously offered to send me a refund. Agent is unmoved. \n\nPlease let me know if you have questions or need more information. \n\nThank you for your assistance and look forward to your assistance in resolving this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Attachments : 15","date_sent_to_company":"2020-02-21T21:12:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90049","tags":"Older American","has_narrative":true,"complaint_id":"3540060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2020-02-21T20:55:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Cost : {$1200.00} 2.Barclays letter ( <em>XX/XX/XXXX</em> ) regarding opening a dispute investigation with provision credit to the <em>account</em> of <em>XXXX</em> <em>XXXX</em> based on consumers claimed ordered <em>product</em> was never delivered. \n\n3, <em>XXXX</em> email letter ( <em>XX/XX/XXXX</em> ) alleging proof <em>XXXX</em> <em>product</em> ordered was delivered. <em>XXXX</em> states that <em>XXXX</em> did deliver a <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  and <em>XXXX</em> <em>XXXX</em>  keyboard to my address."]},"sort":[12.826508,"3540060"]},{"_index":"complaint-public-v1","_id":"14229371","_score":12.661774,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo is in violation of the active CFPB consent order. \n\nIn accordance with the order Wells Fargo is required to engage in transparent, lawful, and good-faith remediation of customer harm. Wells Fargo actions appear to be : ( 1 ) Obstructive ( denying a new mediation based on false grounds ), ( 2 ) Retaliatory ( hostility upon challenge ), and ( 3 ) Misleading ( falsely characterizing what the mediation resolved ).\n\nI am asking the CFPB to intervene.\n\nI am filing this complaint against Wells Fargo for continuing to misrepresent and deny resolution of unauthorized account openings in my name, separate from a prior mediation regarding a third-party identity protection product ( XXXX ). During the Wells Fargo mediation process in XXXX, I learned for the first time that Wells Fargo employees had opened multiple deposit accounts ( ending in XXXX, XXXX, and an overdraft protection account ) in my name without my authorization. This violation was never resolved during mediation related solely to the unauthorized XXXX ID protection product. \n\nDespite this, Wells Fargo is now falsely claiming these issues were resolved through that prior mediation, based solely on a post-mediation summary that I never reviewed, agreed to, or signed. The mediators notes do not mention any formal resolution of the unauthorized accounts and explicitly state I retained the right to file a CFPB complaint or pursue other remedies ( which includes a JAMS mediation related solely to the multiple unauthorized deposit accounts ). \n\nWhen I attempted to initiate a new mediation to resolve the unauthorized accounts through multiple faxed and XXXX mediation forms for the unauthorized accounts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Wells Fargo wrongfully rejected all my requests as duplicates. When I pointed out I had documentation these accounts were not resolved through mediation, Wells Fargo became hostile and implied I had recorded mediation they claimed was not allowed. This behavior appears retaliatory and designed to intimidate me from pursuing rightful remedies. \n\nAdditionally, Wells Fargo filed an Identity Theft claim on my behalf in XXXX regarding the accounts in question. That claim was later denied, yet Wells Fargo still contacted Early Warning Services to remove those accounts from my file demonstrating they were disputed and problematic. These contradictory actions further prove that accounts were never properly resolved or authorized ( Wells Fargo provided me with an unsigned application ). This confirms harm or misreporting occurred. \n\nWells Fargo is using its voluntary mediation program to block any further redress, despite acknowledging my right to pursue legal or regulatory action. Their behavior appears designed to exhaust the consumer rather than resolve ongoing violations. The CFPB should investigate whether Wells Fargo is : * Improperly refusing mediation for new violations; * Misclassifying multiple issues as resolved through a single, unrelated mediation; * Exploiting the cost of arbitration or court as a deterrent to accountability. \n\nXXXX XXXX misrepresentation of what was mediated, their refusal to allow remediation, and their retaliation when I challenged this are deceptive and abusive. Under the Dodd-Frank Act ( 12 U.S.C. 5531 ), this conduct constitutes Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). \n\nI am seeking intervention from the CFPB to require Wells Fargo to : Acknowledge that the unauthorized account openings were not included in the XXXX mediation ; Allow separate and good-faith remediation of the unauthorized accounts ; Cease making false representations about what was resolved in mediation.","date_sent_to_company":"2025-06-21T14:16:26.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"32796","tags":null,"has_narrative":true,"complaint_id":"14229371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-06-21T13:55:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["When I attempted to initiate a new mediation to resolve the unauthorized <em>accounts</em> through multiple faxed and <em>XXXX</em> mediation forms for the unauthorized <em>accounts</em> ( <em>XX/XX/XXXX</em>, <em>XX/XX/XXXX</em>, <em>XX/XX/XXXX</em> ), Wells Fargo wrongfully rejected all my requests as duplicates. When I pointed out I had documentation these <em>accounts</em> were not resolved through mediation, Wells Fargo became hostile and implied I had recorded mediation they claimed was not allowed."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["<em>Account</em> opened without my consent or knowledge"]},"sort":[12.661774,"14229371"]},{"_index":"complaint-public-v1","_id":"21625117","_score":12.636062,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"This complaint is filed as a supplement to complaint number XXXX, filed XX/XX/year>, and should be reviewed in conjunction with that record. \n\nThis filing addresses the bad faith resolution conduct that occurred between XX/XX/XXXX and XX/XX/year>, in the direct aftermath of the original complaint and culminating in EarnIn 's unilateral federal filing characterizing this matter as finally resolved. \n\nThe Invitation On XX/XX/year> at XXXX PM EarnIn 's XXXX of Customer Care personally and explicitly invited me to submit questions before any further steps were taken. That invitation was not incidental. It was extended by the most senior customer care executive at the company, directed personally to me, and created a reasonable and documented expectation that my questions would inform whatever resolution process followed. \nI took that invitation at its word. \n\nThe Questions At XXXX PM XXXX minutes after her invitation I submitted my first question. I asked the VP to clarify her understanding of the current state of this matter before any resolution was finalized. That request was not adversarial. It was a direct and deliberate attempt to ensure that whatever EarnIn put on paper reflected the actual and complete scope of what I had experienced. It was not answered. \n\nThe following morning at XXXX AM I submitted a second question asking directly and specifically whether EarnIn was working on a resolution that could be processed before the end of the weekend. That question had one purpose to allow me to make informed decisions about next steps based on the company 's actual position. It was not answered. \n\nThat same evening at XXXX PM exactly XXXX hours after the XXXX  's invitation I submitted a final communication. I noted explicitly that neither question had been acknowledged. I stated that the silence was preventing me from making informed decisions. I asked for nothing beyond confirmation of where things stood. It was not answered. \n\nThe XXXX XXXX The following day, XX/XX/year> at XXXX PM, EarnIn filed a formal response with this federal body characterizing this matter as finally resolved with a {$1000.00} monetary credit. That filing was submitted while all three of my questions sat unanswered. It was not informed by a single piece of information I would have provided had the XXXX  responded. It references a figure discussed at an earlier point in this matter before the full scope of documented harm was established, before the enrollment misrepresentation was formally raised on XX/XX/XXXX, and before the correspondence that followed the original filing produced additional admissions and acknowledgments that now form a material part of this record. \n\nThe XXXX of Customer Care invited dialogue. The dialogue was never permitted to occur. EarnIn then took a figure from an earlier and incomplete point in this matter, filed it with a federal regulator without discussion, and characterized it as final resolution. \n\nHad the XXXX  responded genuinely to any of the XXXX communications submitted within her own invitation window, the company would have had a complete and accurate account of where this matter stood at the time of filing. That information would have informed a resolution offer grounded in the actual scope of harm. Instead a predetermined conclusion was filed with a federal regulator while the dialogue that would have prevented it was being deliberately withheld. \n\nIt should also be noted that a formal complaint regarding a material misrepresentation at enrollment was submitted directly through EarnIn 's official complaint channels on XX/XX/year> at XXXX PM approximately XXXX hours before their federal filing. Had the XXXX of Customer Care continued the direct correspondence she personally initiated on XX/XX/XXXX, the existence of that complaint would have surfaced naturally through dialogue before any federal response was filed. She did not continue that correspondence. The complaint was neither acknowledged nor incorporated into EarnIn 's federal response submitted the following day. \n\nExecutive Visibility and Silence The company 's General Counsel and Chief Compliance XXXX were copied on the correspondence containing each of these unanswered questions. These are the individuals whose receipt and personal review of this matter is confirmed in writing by EarnIn 's own representative. They had the authority to respond. They had the information to respond. They had the professional obligation to respond. They chose silence throughout the entire XXXX hour invitation window and through the filing that followed it. \n\nThe decision to file a resolution with this federal body while that correspondence sat unacknowledged was made within their authority and under their oversight. That sequence invitation extended, questions submitted, senior executives copied, silence maintained, federal filing made is preserved in its entirety and is currently under legal review. \n\nThe Public Contradiction and the Prior Warnings Beginning XX/XX/year>, I delivered explicit written warnings to EarnIn 's executive and legal leadership that public documentation of this matter was forthcoming. \n\nOn XX/XX/XXXX at XXXX PM I stated explicitly that I was preparing a complete timestamped account of this matter based entirely on EarnIn 's own written record, to be shared in the form of a series of video essays directed at EarnIn 's target audience. \n\nOn XX/XX/XXXX at XXXX PM I stated that regulatory filings were prepared and public service announcements were ready to post, held only by my continued good faith. \n\nOn XX/XX/XXXX at XXXX PM I stated that absent executive engagement every document, admission, timestamp, and acknowledgment in this record would find its audience. \nThose warnings were delivered XXXX to XXXX days before EarnIn filed their federal resolution. \n\nA public social media post containing the exact chat log at the center of this matter was published on approximately XX/XX/year> XXXX days before that filing on a thread that had accumulated over XXXX views by the time EarnIn filed. \nBetween XXXX and XXXX hours after filing their federal resolution characterizing this matter as closed, EarnIn 's verified public account engaged with that XXXX day old post as though encountering this situation for the first time. They expressed that the situation was something they take seriously and stated they would make it right immediately. \n\nThose XXXX positions matter finally resolved and we will make it right immediately were expressed by the same company within the same afternoon. XXXX was filed with a federal regulator. The other was performed publicly for thousands of viewers. The post they responded to had been live for XXXX days. The warnings that preceded it had been delivered in writing XXXX to XXXX days before their filing. Their engagement with that post as new information whether the product of genuine ignorance or deliberate performance directly contradicts EarnIn 's characterization of their internal process as thorough and their resolution as final. \n\nThe Resolution Offer Itself The {$1000.00} figure EarnIn filed does not reflect any review of actual damages. It was not the product of any discussion. It was not informed by a single answer to a single question submitted within the XXXX 's own invitation window. It was calculated in a vacuum and filed unilaterally with a federal regulator while the consumer it purports to compensate was actively waiting for a response to questions that would have informed that very calculation. \n\nFurthermore EarnIn can not claim remedial credit for the return of the original paycheck amount. Their own representatives stated explicitly and repeatedly across multiple interactions that the return of those funds was an automatic process executed by their partner banking institution entirely outside EarnIn 's control. The return does not address a single consequence of the period of documented financial harm that followed the misrouting on XX/XX/year>. \n\nPlease note : The points raised in this filing are not simply my interpretation of the events of XX/XX/year>. They are points that emerged directly through EarnIn 's own conflict resolution process acknowledged, confirmed, and in several instances formally admitted by EarnIn 's own representatives, supervisors, and executive leadership across an entirely written correspondence record spanning XXXX days. \n\nThey are brought to the attention of this federal body because internal dialogue despite being initiated, documented, and pursued in good faith at every stage was effectively abandoned on multiple occasions by EarnIn across that same record. \nEarnIn will now demonstrate through their response to this federal body either a contrasting or a comparable approach to the pattern documented here, with whatever urgency they deem this matter deserves.","date_sent_to_company":"2026-04-27T14:17:36.000Z","issue":"Confusing or missing disclosures","sub_product":"Earned wage access","zip_code":"20906","tags":null,"has_narrative":true,"complaint_id":"21625117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Activehours","date_received":"2026-04-27T13:46:15.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On <em>XX/XX/XXXX</em> at <em>XXXX</em> PM I stated that regulatory filings were prepared and public <em>service</em> announcements were ready to post, held only by my continued good faith. \n\nOn <em>XX/XX/XXXX</em> at <em>XXXX</em> PM I stated that absent executive engagement every document, admission, timestamp, and acknowledgment in this record would find its audience. \nThose <em>warnings</em> were delivered <em>XXXX</em> to <em>XXXX</em> days before EarnIn filed their federal resolution."]},"sort":[12.636062,"21625117"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":90,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":90}]}},"product":{"doc_count":90,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":17}]}},{"key":"Credit card","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":14},{"key":"Store credit card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":6},{"key":"Domestic (US) money transfer","doc_count":4},{"key":"Mobile or digital wallet","doc_count":3},{"key":"International money transfer","doc_count":2}]}},{"key":"Checking or savings account","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":10},{"key":"Other banking product or service","doc_count":3}]}},{"key":"Credit card or prepaid card","doc_count":6,"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":6}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6}]}},{"key":"Debt collection","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1},{"key":"Other debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Mortgage","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":3}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":2},{"key":"Earned wage access","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":2},{"key":"Lease","doc_count":1}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2}]}},{"key":"Payday loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1}]}}]}},"issue":{"doc_count":90,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":9},{"key":"Information is missing that should be on the report","doc_count":2}]}},{"key":"Fraud or scam","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your 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":7}]}},{"key":"Managing an account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not handled or disbursed as instructed","doc_count":2},{"key":"Problem accessing account","doc_count":2},{"key":"Deposits and withdrawals","doc_count":1},{"key":"Problem making or receiving payments","doc_count":1},{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Improper use of your report","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":5},{"key":"Credit inquiries on your report that you don't recognize","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":5,"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":4},{"key":"Card was charged for something you did not purchase with the card","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":4,"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":3},{"key":"Investigation took more than 30 days","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":4,"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":4}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive advertised or promotional terms","doc_count":3}]}},{"key":"Closing an account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":3}]}},{"key":"Confusing or missing disclosures","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with your lender or servicer","doc_count":2,"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":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"Fees or interest","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":2}]}},{"key":"Opening an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account opened without my consent or knowledge","doc_count":1},{"key":"Unable to open an account","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1}]}},{"key":"Charged fees or interest I didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"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":"Cont'd attempts collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was paid","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with additional add-on products or services purchased with the loan","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":"Problem with additional products or services purchased with the loan","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":"Money was not available when promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","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":"Overdrafts and overdraft fees","doc_count":1}]}},{"key":"Problem with additional add-on products or services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Termination fees or other problem when ending the lease early","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":1,"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":1,"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":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":"Trouble using the card to spend money in a store or online","doc_count":1}]}},{"key":"Trouble using your card","doc_count":1,"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":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":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":1}]}}]}},"timely":{"doc_count":90,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":88},{"key":"No","doc_count":2}]}},"company_response":{"doc_count":90,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":79},{"key":"Closed with monetary relief","doc_count":6},{"key":"Closed with non-monetary relief","doc_count":5}]}},"submitted_via":{"doc_count":90,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":90}]}},"company":{"doc_count":90,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"JPMORGAN CHASE & CO.","doc_count":9},{"key":"EQUIFAX, INC.","doc_count":7},{"key":"Experian Information Solutions Inc.","doc_count":5},{"key":"Paypal Holdings, Inc","doc_count":5},{"key":"AMERICAN EXPRESS COMPANY","doc_count":4},{"key":"CITIBANK, N.A.","doc_count":4},{"key":"Early Warning Services, LLC","doc_count":4},{"key":"U.S. BANCORP","doc_count":4},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":3},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":3},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":2},{"key":"Resurgent Capital Services L.P.","doc_count":2},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":2},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"Activehours","doc_count":1},{"key":"Amsher Collection Services, Inc.","doc_count":1},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"Berlin-Wheeler, Inc. (Kansas)","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"Blockchain.com, Inc.","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CCF Intermediate Holdings LLC","doc_count":1},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"Coinbase, Inc.","doc_count":1},{"key":"EVERBANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":1},{"key":"Halsted Financial Services, LLC.","doc_count":1},{"key":"Harris & Harris, Ltd.","doc_count":1},{"key":"Incomm Holdings Inc.","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":1},{"key":"Paramount GR Holdings, LLC","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":"Rocket Mortgage, LLC","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"Rozlin Financial Group, Inc.","doc_count":1},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1},{"key":"Security Credit Services, LLC","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":90,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":11},{"key":"FL","doc_count":10},{"key":"CA","doc_count":9},{"key":"NY","doc_count":7},{"key":"MI","doc_count":6},{"key":"GA","doc_count":4},{"key":"IN","doc_count":4},{"key":"MA","doc_count":4},{"key":"NJ","doc_count":4},{"key":"PA","doc_count":4},{"key":"CT","doc_count":3},{"key":"NV","doc_count":3},{"key":"NC","doc_count":2},{"key":"OH","doc_count":2},{"key":"WI","doc_count":2},{"key":"AR","doc_count":1},{"key":"AZ","doc_count":1},{"key":"DC","doc_count":1},{"key":"DE","doc_count":1},{"key":"HI","doc_count":1},{"key":"IL","doc_count":1},{"key":"LA","doc_count":1},{"key":"MD","doc_count":1},{"key":"MN","doc_count":1},{"key":"MO","doc_count":1},{"key":"MS","doc_count":1},{"key":"SC","doc_count":1},{"key":"VA","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":90,"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":29},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":1}]}},"tags":{"doc_count":90,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":9},{"key":"Older American","doc_count":5}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[12.636062,"21625117"],"3":[9.352973,"8055156"],"4":[6.3837824,"21578277"]}}}