{"took":118,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":92,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4609527","_score":17.537354,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/21, Macys ( the department store company ) called me about what it claims is a past-due payment on my Macys credit card ( hereinafter, MCC ). I informed the Macys agent that I was unaware of any account balance, which the agent said is greater than {$2000.00}, or that a payment in any amount was due and that, furthermore, I had never, prior to the subject phone call, received any communication from Macys informing me of such indebtedness. During the next half-hour-plus of phone time, about 80 % of which I spent on hold, the agent neither informed me of the amount then due nor would he direct me to an online site that would provide an accounting of my transactional history. A second phone call with Macys, which lasted another approximate half hour ( 90 % of which time I spent on hold ), again yielded no information about MCC transactions. Later, that same day ( XX/XX/21 ), I received a no-reply email from Macys ( time stamped XXXX ) stating : Your Payment is Past Due. The email did not indicate the amount due nor did it direct me to a web site for additional information relating to my account or alleged indebtedness. Having already spent more than one hour ( mostly on hold ) during two phone calls with Macy 's, I am now reluctant to again subject myself to such hold-and-wait abuse with no results.","date_sent_to_company":"2021-08-06T23:21:26.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"603XX","tags":null,"has_narrative":true,"complaint_id":"4609527","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-08-06T22:38:54.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["On XX/XX/21, Macys ( the department <em>store</em> company ) called me about <em>what</em> it claims is a past-due payment on my Macys credit card ( hereinafter, MCC ). I informed the Macys agent that I was unaware of any <em>account</em> balance, <em>which</em> the agent said is greater than {$2000.00}, or that a payment in any amount was due and that, furthermore, I had never, prior to the subject phone call, received any communication from Macys informing me of such indebtedness."]},"sort":[17.537354,"4609527"]},{"_index":"complaint-public-v1","_id":"6650409","_score":16.611801,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2023 a purchase of {$150.00} was made on what I learned later was a fraudulent website ( XXXX  ). \n\nThere was no confirmation received and items were not received. The email listed on the site isnt valid XXXX, and the address listed was to a mall in Maine which the store isnt a vendor at. \n\nI disputed the charge to cash app on XX/XX/2023 when I realized the website was fake. \n\nOn XX/XX/XXXX I received an email from cash app stating : We have received your request for documentation related to your dispute. \n\nPlease find the attached documentation that Cash App relied on to determine the outcome of your dispute claim in case number : XXXX. \n\nWere unable to provide any additional support regarding this claim and no further action will be taken. \n\nWe appreciate your patience and cooperation throughout the dispute process. \n\nI opened the attached document that the email claimed contained the details leading to the denial and it stated : Dear XXXX, XX/XX/2023 Recently, you requested the documents Cash App relied on to determine the outcome of the dispute claim you made in case number XXXX. \nFor your reference, we have included a summary of the transactions from your account that helped to determine our decision. \n\nThe information only contained the charge and date of charge and the website it was charged to. No other information. \n\nI would like a refund for the fraud charge and the documents of investigation-if one was done.","date_sent_to_company":"2023-03-06T00:05:28.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"806XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6650409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-03-05T23:51:11.000Z","state":"CO","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/2023 a purchase of {$150.00} was made on <em>what</em> I learned later was a fraudulent website ( XXXX  ). \n\nThere was no confirmation received and items were not received. The email listed on the <em>site</em> isnt valid XXXX, and the address listed was to a mall in Maine <em>which</em> the <em>store</em> isnt a vendor at. \n\nI disputed the charge to cash app on XX/XX/2023 when I realized the website was fake."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[16.611801,"6650409"]},{"_index":"complaint-public-v1","_id":"8411743","_score":16.14142,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Ruin credit high interest waiste if time Privacy Policy Last Updated XX/XX/2020 Falcon Funding Group is serious about protecting your privacy. This Privacy Policy explains our views and practices concerning privacy, and how they may pertain to your interaction with the Falcon Funding Group website. \n\nThis privacy policy is in accordance with relevant governing Federal laws and regulations. It seeks to establish rules to govern the collection, use and disclosure of personal information by electronic means by private organizations. Its second primary objective is to acknowledge the validity and legality of electronic documents. \n\nPlease take a moment to review the terms of our Privacy Policy. By using the Site and participating in the Service, you agree to accept the terms of our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Site or participate in the Service. \n\n\" You '' or \" Your '' means you as a visitor or user of the Falcon Funding Group website. \" We '' or \" Our '' or \" Us '' means Falcon Funding Group. \" Our site '' or \" Our Website '' means Falcon Funding Group. \n\nAll information transmitted, printed or otherwise submitted to Falcon Funding Group via this website shall be deemed to be the property of Falcon Funding Group and Falcon Funding Group shall be free to use such information for any lawful purpose as detailed herein. \n\nOur website may contain links to other sites and we are not responsible for the privacy practices or the content of such sites. \n\nWe reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law. \n\nWhat Information We Collect From Our Website We automatically collect and/or track the following : web page http headers ( home server domain names, IP address, type of client computer, and type of Web browser ) ; information knowingly provided by you through on-line forms, registration forms, surveys, and or other entries, such as email addresses, personal, financial or demographic information ; information, user specific or aggregate, on what pages our visitors access and e-mail addresses of visitors that communicate with Falcon Funding Group via e-mail or fill out the \" Contact Us '' section of Our Website. \nIf you communicate with us via e-mail or via the \" Contact Us '' section, we will keep those messages, as well as a record of our responses. We protect this information in the same way that we protect telephone and mail communications. \n\nWe keep your information for as long as your account is active. We will retain your information as necessary to comply with legal obligations, resolve disputes and to enforce our agreements. \n\nHow We Use That Information We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. \n\nDisclosure of Data to Third Parties If you choose to provide personal information, it will be used for the following purposes : matching your application with a Short-Term loan lender within our network. \nfor marketing products and services which we determine, in our sole judgment, that you might find of interest. \nWe reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. Any third party we share, rent, sell, or otherwise disclose data to will be carefully pre-screened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest. \n\nCookies In a manner similar to virtually all commercial or business websites we use \" Cookies '' to store information. A cookie is a small text file that is stored on a user 's computer for record-keeping purposes. \n\nWe use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browsers help file. \n\nWe set a persistent cookie to store your passwords, so you don't have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. \n\nIf you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited. \n\nThird Party Cookies The use of cookies by our tracking utility company is not covered by our privacy statement. We do not have access or control over these cookies. Our tracking utility company uses session ID cookies to make it easier for you to navigate our site. \n\nSecurity and fraud Site uses a variety of security technologies to protect your personal information. When information is transmitted over the internet we protect through use of encryption, such as the SSL ( Secure Socket Layer ) protocol. No method of transmission, over the internet, or mode of storage, is 100 % secure. As a result, we can not guarantee its 100 % security. If false or inaccurate information is provided, the information will be passed on to appropriate law enforcement agencies. \n\nYour Opt-Out Rights When you submit your information and agree to the terms of the privacy policy, you are considered an opt-in for Falcon Funding Group. If you want to opt-out for Falcon Funding Group , we allow you to be placed on a \" do not contact '' list for future marketing text or email messages by responding to any message with a \" remove '' in the subject line or body of the message. You may also send an email to XXXX with a \" remove '' in the subject line or body of the message. \n\nWe Do Not Intend To Collect Data From Minors We comply with all Federal Laws against discrimination. We do not offer our services for minors. The information and services provided to us, our affiliates, sponsors, advertisers, or other third parties are not intended to be viewed or offered to minors. No information collected from minors is knowingly used for any marketing, promotional, or other purposes whatsoever. \n\nOur Right To Contact You We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you. \n\nOur Right To Change From time to time the privacy policy is changed due to advancing technology, new laws, etc. You should always read the privacy policy of any site you visit, even if you have gone there before, just to make sure nothing has changed. We would not use your information in a manner that is not in accordance with this privacy policy. We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our site. \n\nAbout Falcon Funding Group WLCC Lending FFG dba Falcon Funding Group is a subsidiary agency of Wakpamni Lake Community Corporation, an arm and entity organized under and governed by the laws of the XXXX XXXX XXXX of the XXXX XXXX XXXX, a sovereign nation located within the United States of America, and is operating within the Tribe 's Reservation. \nClick here to view our lending license. \n\nWLCC Lending FFG DBA Falcon Funding Group Lending Headquarters : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Mailing address : XXXX XXXX XXXX XXXX, IA XXXX Phone : XXXX Hours : Mon - Fri, XXXX XXXX to XXXX XXXX EST Sat & Sun, XXXX XXXX to XXXX XXXX EST Inquiries : XXXX For repayment arrangements, please click here. \n\nIf you have already contacted Customer Service in an attempt to resolve an issue or concern and still need additional assistance, please contact the Wakpamni Lake Community Consumer Complaint Tribal Hotline at XXXX - ( XXXX ) XXXX between the hours of XXXX XXXX  and XXXX XXXX EST Monday through Friday. If this is your first call to Customer Service, please call XXXX between the hours of XXXX XXXX and XXXX XXXX EST Monday through Friday. If you would like a copy of the Tribal Credit Code of the Wakpamni Lake Community Corporation of the XXXX XXXX XXXX, please email us at XXXXLogin E-Mail Address XXXX XXXX XXXX XXXX Cell Phone Number ( ie : ( XXXX ) Enter your phone number How should we deliver the verification code to you? \nVerifying your account by Email or Text helps us to secure your account access via Text Message ( SMS ) via Email Login E-Mail Address XXXX XXXX XXXX XXXX Cell Phone Number ( ie : ( XXXX ) XXXX ) Enter your phone number How should we deliver the verification code to you? \nVerifying your account by Email or Text helps us to secure your account access via Text Message ( SMS ) via Email","date_sent_to_company":"2024-02-25T05:08:08.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"850XX","tags":"Older American","has_narrative":true,"complaint_id":"8411743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WLCC","date_received":"2024-02-25T04:43:25.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Verifying <em>your</em> <em>account</em> by Email or Text helps us to secure <em>your</em> <em>account</em> access via Text Message ( SMS ) via Email Login E-Mail Address XXXX XXXX XXXX XXXX Cell Phone Number ( ie : ( XXXX ) XXXX ) Enter <em>your</em> phone number How should we deliver the verification code to you? \nVerifying <em>your</em> <em>account</em> by Email or Text helps us to secure <em>your</em> <em>account</em> access via Text Message ( SMS ) via Email"]},"sort":[16.14142,"8411743"]},{"_index":"complaint-public-v1","_id":"12201209","_score":15.251783,"_source":{"product":"Credit card","complaint_what_happened":"Credit card was applied for in store XXXX XXXX - Credit Company ( Comenity Capital Bank ) - took 5 minutes. Received card on XXXX called to activate. Also on XXXX tried to open online account to pay bill. Had to call in for account online. They asked questions- is # # # # # your home #. Replied no this is a cell phone so they needed to change on records to cell phone. Company stated would take 10 business days before could use online account. Why did it take 5 minutes to open an account but 10 days to use online. Well the bill was due on XX/XX/XXXX which is the XXXX business day. Received email reminder XX/XX/XXXX that bill was due XX/XX/XXXX. Checked and still could not get into online account. So XX/XX/XXXX wrote a personal check ( no where does it state can not send personal check ) and mailed on XX/XX/XXXX to XXXX ( XXXX miles from my house ) I have picture of check/statement that I mailed. Not driving XXXX miles to store to pay. Went out of town and when I came back on XX/XX/XXXX and checked account shows balance still there. But guess what, the online account is now available so wrote to company on their contact screen why hadn't the check cleared.. I have always paid my bills and have a very good credit score. Heard back that as of XX/XX/XXXX nothing paid. Now why no notice ( email ) sent that the bill hasn't been paid? Wrote back again to company and tried to send pictures but the site said \" sorry some attachments can not be added right now because of system problem '' I am willing to pay the bill but I am not paying a late fee/interest and not going to double pay.","date_sent_to_company":"2025-02-24T23:40:04.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"781XX","tags":null,"has_narrative":true,"complaint_id":"12201209","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-02-24T23:07:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Credit card was applied for in <em>store</em> XXXX XXXX - Credit Company ( Comenity Capital Bank ) - took 5 minutes. Received card on XXXX called to activate. Also on XXXX tried to open online <em>account</em> to pay bill. Had to call in for <em>account</em> online. They asked questions- is # # # # # <em>your</em> home #. Replied no this is a cell phone so they needed to change on records to cell phone. Company stated would take 10 business days before could use online <em>account</em>."],"sub_product":["<em>Store</em> credit card"]},"sort":[15.251783,"12201209"]},{"_index":"complaint-public-v1","_id":"1369564","_score":14.287807,"_source":{"product":"Credit card","complaint_what_happened":"I opened a Lowes credit card in XXXX 2015. They contract their cards with Synchrony Bank. My XXXX payment of {$42.00} was due in XXXX. I made a phone payment got a confirmation number. Three days later I got a call from the bank about my payment. Called back was told payment was received. Happened again. So XXXX times I was told payment received. They I get my XXXX statement showing payment was n't received and a late fee and the payment was {$180.00}. So $ XXXX {$84.00} which I sent and a letter saying there should be no late fees since I made and was told XXXX times it was made. Even with a late fee {$84.00} & XXXX is {$100.00}. XXXX statement arrives and again a late fee and a payment of {$.00} I send {$100.00} with another letter stating there should be no late fees. They declined my request. So XXXX statement arrives and they say my payment is now {$320.00} How in four months can my payment go from {$42.00} to {$320.00}. They keep saying there 's a past due amount of {$160.00} I have made all 4 monthly payments and wrote numerous letters every month. What is this {$160.00} for? I checked your web site and seen other complaints with this bank about phone payments. I will be also writing a letter to Lowes letting them know I will never shop in their store again. My credit is ruined I 'm sure because of this bank. I want ALL FEES taken off this account. I do n't even know what it 's for either. I made the payment was told XXXX times it was made. THEIR fault. I even talked to a person and was told this.","date_sent_to_company":"2015-05-11T17:50:03.000Z","issue":"Other fee","sub_product":null,"zip_code":"43119","tags":"Older American","has_narrative":true,"complaint_id":"1369564","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2015-05-11T17:50:02.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>What</em> is this {$160.00} for? I checked <em>your</em> web <em>site</em> and seen other complaints with this bank about phone payments. I will be also writing a letter to Lowes letting them know I will never shop in their <em>store</em> again. My credit is ruined I 'm sure because of this bank. I want ALL FEES taken off this <em>account</em>. I do n't even know <em>what</em> it 's for either. I made the payment was told XXXX times it was made. THEIR fault. I even talked to a person and was told this."]},"sort":[14.287807,"1369564"]},{"_index":"complaint-public-v1","_id":"4491399","_score":14.279482,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I made a {$40.00} payment on my Victoria 's Secret card on Friday, XX/XX/XXXX, towards a small purchase made on XX/XX/XXXX. I typically don't get online until around XXXX or XXXX. I got the confirmation screen saying the payment was complete but I didn't write down the number because I've never had issues with making payments to them before and just took it for granted that if the confirmation screen showed up, the payment went through. \n\nWell, no confirmation email ever showed but I hadn't used the card since XXXX or something so I couldn't remember if I even had it set to send me email notifications about payments. I always pay my bills on or just after payday ( twice a month ) and I pay the bills based on what is due that pay period. This is when I also balance my checkbook. Since my bank switched to dual factor identification, I now have to get a code texted to me. I get charged fees for texting, so I only balance the account twice a month on paydays when I pay that pay period 's bills. \n\nDepending on how each company has their payment system set up, sometimes this means I'm paying the payment on the actual day I'm making the payment, and sometimes it has the date automatically set for the payment due date. I did not change whatever the date was for this card when I made the payment on it. I just take everything out of my checkbook the day XXXX sit down to do my bi-monthly bills so I know everything is taken care of and I can rest easy until next pay period. \n\nWhen it hadn't come out of my account I just figured that I must have the due date wrong in my planner since it had been so long since I'd used it. XXXX is a long time not to use a card and I had a habit of paying in store on the day I'd make purchases back when our local store was still open. Well, I got a bill with a {$28.00} late fee and the statement did not show my XX/XX/XXXX payment ( which would have been on time ). I called the company and the girl on the phone asked if I wanted to dispute it. I said yes because I know I got the confirmation page when I made my payment. \n\nI have not had access to my account since XX/XX/XXXX when I made that ill-fated payment. Every time I try to log in I get an error screen. I've tried using different internet browsers, clearing my cache and cookies, etc. Nothing works. They have me completely locked out of my account. I'm not going to lie, it freaks me out. I don't like being denied access to my own information. To me that is weird and suspicious. The only logical reason I can find for why they would need to lock me out of my account and deny me access to my information is because they have something to hide. I could understand certain features being unavailable or something, but not a total lockout. \n\nThey sent me a letter saying they could find no record of the payment, but I know XXXX well I got the confirmation page after paying. It hasn't come out of the account so obviously the payment didn't go through, but I am really not liking this whole not having any access to my account thing that has been going on since XX/XX/XXXX, or having to pay late fees on something I know I made the payment for. \n\nWhere the XXXX did my payment information go? They use your checking account information, so basically my whole bank account info, my full name, address, etc are potentially affected. Did their site get hacked and now my information is floating around out there somewhere on the dark web? Are they covering up a massive data breech and trying to profit off of it at the same time? It was a Friday night, so were they working on the site? Did they fail to post a message the the site would be down for maintenance? Did site maintenance interfere with the payment processing? Why have I been locked out of my account for 2 months? What are they trying to hide? \n\nI do not feel their payment website is safe, secure, or working appropriately. The only reason I even made a purchase with this card was solely to keep it active. I didn't want the account to close because I have amazing credit and I want to keep it that way. Now, I wish I had cut the XXXX thing up in anger after they closed our local store, let the account close, and taken the \" closed due to inactivity '' hit to my credit score. I hate buying those sorts of things online anyway and the nearest stores are 45 minutes or more away.","date_sent_to_company":"2021-07-11T22:17:35.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"17815","tags":null,"has_narrative":true,"complaint_id":"4491399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2021-06-25T02:18:39.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Did their <em>site</em> get hacked and now my information is floating around out there somewhere on the dark web? Are they covering up a massive data breech and trying to profit off of it at the same time? It was a Friday night, so were they working on the <em>site</em>? Did they fail to post a message the the <em>site</em> would be down for maintenance? Did <em>site</em> maintenance interfere with the payment processing? Why have I been locked out of my <em>account</em> for 2 months? <em>What</em> are they trying to hide?"],"sub_product":["<em>Store</em> credit card"]},"sort":[14.279482,"4491399"]},{"_index":"complaint-public-v1","_id":"2929451","_score":13.952002,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I represent a company that has a chain of convenience stores. One of our sites was fraudulently hit for unauthorized refunds to our merchant account 6 different times between XX/XX/XXXX and XX/XX/XXXX. The total amount we got hit for is {$16000.00}. \n\nWe were contacted by our sales rep from First Data ( our credit card processor ) on XX/XX/XXXX by phone to notified us that some possible fraudulent transactions might have taken place on our account. He informed us that the fraud department from First Data was going to contact us to confirm whether these were fraudulent transactions. \n\nAt this point, a visit to the affected convenience store site was performed. A thorough investigation of the site did not reveal any type of skimmers and a review of our credit card sales journals detected no such refunds went through our system. Our in-house auditor reconciled the credit card statements on XX/XX/XXXX XXXX and verified that two fraudulent transactions occurred on the XXXX. These transactions added up to {$5000.00}. \n\nWe looked through our point of sales journal records and could not find the 2 transactions that occurred on XX/XX/XXXX anywhere in our system. Our credit card reconciliation with First Data 's web site showed 2 refunds on that day for {$2500.00} each that were applied to 2 different Visa debit cards. \n\nSince the First Data fraud department hadn't contacted us as we had been told, we decided to contact the fraud department on our own. They informed us that the transactions initiated through a feature referred to as a dial back up. They stated that this function should be turned off on our P.O.S. ( Point of Sale ) system. A call to our P.O.S. ( point of sale ) technicians confirmed that our P.O.S. system doesn't have dial backup capabilities at all and are non-existent on our system. Our P.O.S. company initiated a protocol to check our system to verify we were compliant and the result was we were in full compliance. Their review of our system confirmed there were no records that existed in the system related to these fraudulent transactions. \n\nOn the Afternoon of the XXXX our rep contacted us and we decided together that we would request a new merchant number as well as disable any refund capabilities. We were also told at that time that First Data would not be responsible for those transactions. \n\nOn XX/XX/XXXX at XXXX XXXX we received an e-mail from my rep stating that the new merchant number was requested and that dial back and refund functions were also to be disabled at the site that was targeted as well as another site that First Data does our processing. \n\nOn XX/XX/XXXX when we received our card statements we noticed that we were breached again for {$2500.00} on the XXXX of XXXX at XXXX XXXX Then again on XX/XX/XXXX, we were hit at XXXX XXXX for {$2900.00}. We were hit again at XXXX XXXX for XXXX and finally again at XXXX XXXX for {$3100.00}. When we contacted our Rep he was dumbfounded how this could happen and he tried reaching out to the Fraud dept for us again. He told us that a higher up from the Fraud dept would be contacting us by phone which never happened. I have tried calling the fraud dept myself and left messages as well as our rep reaching out to them multiple times to contact us. It is XXXX XXXX on XX/XX/XXXX and we have yet to hear what the resolution is going to be. \n\nWe feel that the system was breached through the First Data side as there are no records of any of these transactions anywhere in our point of sale system and that we should be refunded for the full amount of {$16000.00} immediately. \n\nAfter the initial {$5000.00} transaction there were supposed to be stops in place to avoid anymore transactions which obviously wasn't the case. This further proves that the breach got through the First Data side and not on our end. \n\nWe have been forced by the card companies to spent thousands of dollars to be PCI and EMV compliant at our sites and we still have been breached and basically brushed off by the Card company. I don't feel the responsibility is ours to bear the brunt of a {$16000.00} chargeback, as we have taken all necessary steps to do what we were asked by the card companies. I am asking for your help to get this matter resolved as soon as possible.","date_sent_to_company":"2018-06-07T18:10:24.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"877XX","tags":null,"has_narrative":true,"complaint_id":"2929451","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"First Data Corporation","date_received":"2018-06-07T17:47:06.000Z","state":"NM","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I don't feel the responsibility is ours to bear the brunt of a {$16000.00} chargeback, as we have taken all necessary steps to do <em>what</em> we were asked by the card companies. I am asking for <em>your</em> help to get this matter resolved as soon as possible."]},"sort":[13.952002,"2929451"]},{"_index":"complaint-public-v1","_id":"1946550","_score":13.946718,"_source":{"product":"Debt collection","complaint_what_happened":"This issue has been filed previously, but I am refiling as a new complaint with new information on how the Debt Collector ( assett management, dba midland funding ) currently, and then has been doing business. \n\nI have/had a Collection account on my personal credit report that showed up in 2011. This account was inserted and appeared to be somewhat accurate - as I did have an account with what they added to the account number as - XXXX. \n\nIt is asserted that the XXXX file specifications, and then the XXXX guidelines - neither allow for defaults, not publish data in consumer reports when this is supplied by the Debt Collector. \nInstead, all data is published as provided by the Debt Collector, or rejected when the limited data validations occurs. \n\nAssett Acceptance - was/is continuing to report this data in an inaccurate way, and was alerted as to what it was doing on my own report. \n\nAs a sender of protected data, and then that which must adhere to XXXX and the CRG guidelines, and then under the mandates of FCRA - I assert that they reported, and then continue to report this information inaccurately, and then - when presented with the problem has not corrected its data issues and how this information is presented on consumer Credit Files. \n\nA sample of how all Collection accounts must exist on a credit report is attached, and as it resides from XXXX 's site directly. \n\nFCRA 623, says you have been told - and you must fix. \n\nThe CRG - Credit Report Guideline, specify the data that must be used to report collection data on consumer reports. \n\n1. For the XXXX file details sent by AA/Midland, Segments XXXX and XXXX - which are communicated and then required to be used by Collection companies, and then control how the data is recieved, stored, viewed and used in credit scoring - AA/MF FAILS follow these standards. \n\n2. AA/MF fails to self identify itself as a Debt Collector on its file submissions to all CRA 's. Because of this failure, they become allowed to send MORE data than otherwise allowed. \n\n3. These Debt Collector accounts are showing up on consumer reports as Credit Grantor, including my own 4. These Debt Collection accounts - are showing up with Pay Histories, when this is NEVER allowed. \n\n5. These accounts are using an actovity designator - that is never allowed to be used. \n\n6. These accounts are using date fields - that are never allowed to be used by a debt collector. \n\n7. These accounts are NEVER clodes, instead the activity designator/current status is left as blank or NA 8.You AA is reporting as Installment accounts, when you are not a credit grantor, and can not 9. AA/MF - you use the comment fields to store data intended for the XXXX and XXXX segments, and can not /should not A/MMidland funding, you are being alerted once again that that data you furnish is inacurrate. \n\nAs per FCRA - 623, you are required to fix it. \n\nIn any typical XXXX for any data exchange to an external system, you - the data furnishes has a fiduciary responsibility to ensure the data you send is accurate. \n\nIts not. \n\nI have a rather robust sampling of consumer reports from folk whose data is displaying the same way, and I am hopeful you - will fix your data issues. \n\nThis issue has been communicated, and the issues exist without resolution. \n\nPlease resolve your data reporting practices.","date_sent_to_company":"2016-05-31T00:09:05.000Z","issue":"Disclosure verification of debt","sub_product":"Credit card","zip_code":"07039","tags":null,"has_narrative":true,"complaint_id":"1946550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2016-05-31T00:09:04.000Z","state":"NJ","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["I have/had a Collection <em>account</em> on my personal credit report that showed up in 2011. This <em>account</em> was inserted and appeared to be somewhat accurate - as I did have an <em>account</em> with <em>what</em> they added to the <em>account</em> number as - XXXX. \n\nIt is asserted that the XXXX file specifications, and then the XXXX guidelines - neither allow for defaults, not publish data in consumer reports when this is supplied by the Debt Collector."]},"sort":[13.946718,"1946550"]},{"_index":"complaint-public-v1","_id":"9942331","_score":13.889859,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Regarding Unresolved Dispute with Cash App Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Cash App regarding an unresolved dispute that has left me without access to funds that were wrongly deducted from my account. \nDetails of the Issue : On XX/XX/year>, I attempted to make a purchase at a XXXX store using my Cash App card. The transaction process encountered several issues : The first attempt at payment was disrupted when the register froze.I was directed to another register, where I attempted to pay two more times, but both transactions were declined.Despite these declines, I later discovered that the funds were deducted from my Cash App account.I was advised by the store employees that since the transactions were voided or interrupted, the money would be returned to my account within a few business days. However, this never happened.I contacted XXXX, who confirmed that the transaction was voided on their end and that I should contact Cash App to resolve the issue. Despite providing a detailed statement to Cash App, where I informed them that the employees and manager would explain and corroborate my statement and confirm I was not able to leave with any merchandise, my dispute was denied without what I believe was a proper investigation. \n\nConcerns : Cash App has failed to conduct a thorough investigation into my dispute. They did not contact XXXX to verify the situation or review any available video footage that would clearly show I left the store without the items.I have had to follow up multiple times with Cash App, and despite the evidence I have provided, they have not resolved the issue.This is not the first time I have had a dispute denied by Cash App. A few months ago, I filed a dispute regarding a {$50.00} transaction with a restaurant that had a former owner running a website that was identical to the pub, sent confirmation of to go order placed and instructions on what to do upon arrival, and gave directions which all seemed to be legit until I pull up to a persons house in the middle of the field. The homeowner was actually the current owner of the pub and looked at all of my email, texts, and website and agreed it was exactly like the site with the exception that the menu items were old. She did not locate my payment in her Square account and stated that it seems someone else was using her bar to scam people out of money. She was unable to refund me because she did not receive the payment and I had an abundance of documentation to show this situation as well but it was also denied. Another concern is that you can not contact them by email. I have requested a general email for the department that handles disputes and also complaints and was not given one. When you do call for help they will not escalate the call to anyone in management for you. So it is almost impossible to get a resolution when assistance is needed from someone of higher authority to make decisions on complex situations.\n\nResolution Sought : I request that the CFPB intervene to ensure that Cash App properly investigates my dispute and refunds the amount that was wrongfully deducted from my account. I believe this situation has not been handled with the level of diligence required, and I seek your assistance in resolving this matter fairly.Thank you for your attention to this complaint. I am happy to provide any additional information or documentation you may need. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-08-28T22:36:22.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"37172","tags":null,"has_narrative":true,"complaint_id":"9942331","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-08-28T22:04:32.000Z","state":"TN","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["A few months ago, I filed a dispute regarding a {$50.00} transaction with a restaurant that had a former owner running a website that was identical to the pub, sent confirmation of to go order placed and instructions on <em>what</em> to do upon arrival, and gave directions <em>which</em> all seemed to be legit until I pull up to a persons house in the middle of the field."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"]},"sort":[13.889859,"9942331"]},{"_index":"complaint-public-v1","_id":"1746491","_score":13.830712,"_source":{"product":"Credit card","complaint_what_happened":"XXXX on XXXX XXXX should be altered and Macy 's name should be removed. \nI was informed earlier by XXXX Macy 's employees that XXXX was available for using any credit card at Macy 's stores. I also checked on XXXX site as well as XXXX credit card 's site to confirm and Macy 's was clearly written as a participant. XXXX card is having a promotion wherein transactions would receive 10 % cash back of the total amount transacted, if used with XXXX Pay in-store. \nI saw some pieces of jewelry at Macy 's amounting to around {$10000.00} and wanted to buy them for my sister and mother. I however did not have the XXXX Pay/XXXX card set up, so I went home to get those. \nAlso, AFTER confirming with Macy 's on the phone and website XXXX as well as with XXXX at their store and online AND with XXXX online and on the phone ; I was sure that Macy 's would honor XXXX Pay, and so then I came back to Macy 's within 2 hours to buy and was informed now that Macy 's does not support XXXX Pay. \nI have now technically LOST 10 % of my transaction amount in XXXX Cash-back. I would like Macy 's to please refund me 10 % of the transaction amount that I have now lost in cash back due to Macy 's deceptive advertising around XXXX Pay availability. \nI was hence Forced by Macy 's to use the Macy 's credit card for the transaction which is absolutely unfair and incorrect behavior. \nI had put another piece for around {$8000.00} on hold and was going to buy that as well on my XXXX XXXX, but after being informed of Macy 's stance on XXXX Pay/Discover card, I chose at that point to leave those XXXX additional pieces of jewelry aside from my purchase order. \nThe said transaction for the XXXX piece of jewelry is said to hit my account on XXXX/XXXX/2015 and I want Macy 's to refund me 10 % of that transaction to address the loss I have had to incur due to not being allowed to use XXXX Pay/Discover at the Macy 's store. I have included relevant links for your validation in the email above. \nOn subsequent follow-ups over the last 2 months, Macy 's reps have been extraordinarily rude and defensive and simply unwilling to hear me out. On several occasions, I had to request the reps to stop 'interrogating ' me or to not interrupt my sentence prior to my finishing my thoughts. I was provided ultimatums and told in many nuances what a miserable individual I was ( the recordings at Macy 's would concur ). At this point, I had to take a stance as well and be more forceful in my responses. \nXXXX of the Macy 's Exec office rep ( PLEASE listen to her recorded conversation with me as well - XXXX XXXX ) pretty much informed me to follow her terms or pretty much go to XXXX. My cards on the Macy 's card website have also been blocked so I can not see any balance information etc. I would imagine this is breaking some Regs out there. I also informed XXXX XXXX that if they applied the said credit against the 0 % APR balance, Macy 's would only benefit. She refused flatly and even expected me to take leave from work and stay at home to accept her certified mail.","date_sent_to_company":"2016-01-18T19:27:12.000Z","issue":"Advertising and marketing","sub_product":null,"zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"1746491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-01-18T19:27:11.000Z","state":"DE","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The said transaction for the XXXX piece of jewelry is said to hit my <em>account</em> on XXXX/XXXX/2015 and I want Macy 's to refund me 10 % of that transaction to address the loss I have had to incur due to not being allowed to use XXXX Pay/Discover at the Macy 's <em>store</em>. I have included relevant links for <em>your</em> validation in the email above. \nOn subsequent follow-ups over the last 2 months, Macy 's reps have been extraordinarily rude and defensive and simply unwilling to hear me out."]},"sort":[13.830712,"1746491"]},{"_index":"complaint-public-v1","_id":"2936143","_score":13.810995,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is in regards to my personal account for a potential scam to obtain funds from my chase banking accounts claiming to do a QA assignment I was provided ( see attached ). I have contacted Chase in regards to my personal account. An Alert from Chase about Your ATM Deposit {$2400.00} made XXXX From : Chase XXXX To : XXXX   XXXX Date : Wed, XX/XX/2018, XXXX XXXX The amount shows pending but is in my checking balance. \n\nI received a message from someone who is known to me via XXXX with an employment opportunity. on XX/XX/XXXX as follows : A reputable market research firm is looking for part-time XXXX XXXX to help evaluate customer service in the USA. I just thought to let you know that I and two of my friends have been participating in it during our leisure time for nine weeks now and I must confess it has been awesome and rewarding since I was introduced to this extra income opportunity by one of my contacts XXXX. The program is flexible-hour setup where a company pays you to pose like a regular customer and then provide feedback to the company on things like how clean the store was or how well the employees interacted with you. You can earn as much as three thousand dollar s a month and it is fun and rewarding. \n\n-It is secure and hundred percent legitimate unlike other part-time programs out there. \n-You do not need more than 1 or 2 hours per assignment as it involves retails stores around you. \n-No work experience in marketing or research is required. \n\nYou can sign up through the secured URL below if you or anyone you know is interested and they will get back to you with more details. \n\nXXXX XXXX XXXX I am sure it will help take care of some bills just the way it does for me. \n\nXXXX XXXX. \n<XXXX. The> ( an attachment ) I contacted the agency through the link provided and received this response via email. \nCONGRATULATIONS : YOUR APPLICATION HAS BEEN APPROVED From : XXXX XXXX XXXX To : XXXX   XXXX Date : Fri, XX/XX/2018 XXXX XXXX Welcome Shopper, Your information was received via a secured server in accordance with a referral from one of your XXXX contacts concerning a part-time discreet shopper job. The contact details you filled in our application form have been verified and stored in our database. Here is your unique I.D number XXXX, we hereby confirm your entry as one of the candidates for the role of a XXXX XXXX XXXX. \n\nXXXXXXXX XXXX XXXX is one of the most effective market research companies in the world as reflected in our yearly ranking among the top market research firms. Our goal is to offer a clear view of the dynamics for success in todays complex and competitive marketplace. Through our custom quantitative and qualitative approaches, we provide global brands with the most strategic and actionable guidance to deliver better business performance and growth. \n\nMYSTERY SHOPPING PROGRAM Mystery Shopping is a tool used by companies to measure the quality of the goods and services they provide. Shoppers are sent by companies to act as typical shoppers to interact with the business and report back on the experience of the goods and/or services received. The reports provide a tool for management to assess the quality and performance of the goods and services they provide. At no time does the shopper reveal the real purpose of the visit. \n\nOur shoppers look upon shopping as an opportunity to help improve service levels at the places they like to frequent. Our shoppers are conscientious, reliable and objective. They approach each new assignment as if it were the first time they had ever heard of the store. They only accept assignments, which they will complete on time, objectively, and without bias. They know the importance of following directions, they read and follow each client 's evaluation criteria to the letter. \n\nJOB DESCRIPTION : *You will receive funding for each assignment. \n*You will receive the instruction for your assignment via mail on the location and details of the assignment. \n*You are to complete the assignment as fast and discreetly as possible. \n*You will be asked to visit a business location to conduct business be it a restaurant, shopping store etc. \n\nPAYMENT TERMS : You will receive a flat sum of {$300.00} per assignment and you will be working on at least two assignments per week. The company will furnish you with all expenses needed for the assignment and any other expenses incurred during the course of executing your assignment. \n\nASSIGNMENT UPDATE : Your first assignment instruction will be sent to you via email next week prior to the delivery of your first package, the envelope will be delivered to you via USPS Priority Mail. There are no hidden fees, theres no catch. You can earn money doing something you probably love. \n\nKindly answer the questions below : 1. Do you have any of these departmental stores around you? \nXXXX 's, XXXX, XXXX XXXX, XXXX, XXXX. \n\n2. Do you have an XXXX store close to you? \n\n3. Do you have a Post Office near you? \n\nNOTE : Please confirm the receipt of this email by sending a text to ( XXXX ) XXXX and endeavor to always check your inbox and SPAM/JUNK folders for updates from us. You can also add this email ( XXXX ) to your address book. \n\n\nBest Regards, XXXX XXXX, Head of Recruitment, XXXX XXXX XXXX. \n\nAt this point, I received an envelope via USPS next day containing a letter and a check for XXXX $ instructing me to deposit the check and await instructions for the assignment which was emailed to me as follows. FIRST ASSIGNMENT INSTRUCTIONS You flagged this message From : XXXX XXXX XXXX To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 XXXX XXXX Attachments Shopper Assessment F ... rtf ( 47 KB ) Hello XXXX, Mystery shopping is used by watchdog organizations or even companies themselves to measure certain parameters such as customer service, product selection, agent fairness, etc. It is an information gathering and quality assurance tool used by market research companies like us. Congratulations you have received your first assignment package. With it you have a check of {$2400.00}, you are to deduct your commission which is {$300.00}. The rest will be used for your assignment. Complete your mystery shopping assignment as stated below : Deposit the check received with this package at your bank and proceed with your assignment after it clears ( which should be in 24 to 48 hours ) XXXX GIFT CARD You are to evaluate the nearest store selling XXXX GIFT CARD. \nVisit any of these stores around you to purchase XXXX gift cards : XXXX 's, XXXX XXXX, XXXX, XXXX XXXX and XXXX. \n\nGo to the register and add cash of {$500.00} each to four cards -Total : {$500.00} x 4 =  {$2000.00} OR {$200.00} each to ten cards -Total : {$200.00} x 10 = {$2000.00} depending on which denomination of cards that is available at your chosen store. \n\nAFTER PURCHASE OF CARDS 1 .Open the pack and peel the silver scratch-off area 2.  Capture images of card front and back and purchase receipt. \n3. We will give you instructions on what next to with the cards.\n\n4. The balance of {$130.00} would be used for a subsequent assignment.\n\n5. You are required to purchase the cards with cash. \n\nPlease do not discard the cards as they will be used for your subsequent assignments. \n\nHere are the details we will need from the SURVEY, you can also find the assessment form attached to this email. \n\n-Store Name, Address, Date and time of visit - -Name of the cashier/Attendant { if visible on Tag ) -Did the store clerk thank you upon completion of your purchase? \n-What was your overall experience with the staff in the store? \n-How long it took you to get check out -Captured images of card front and back and the purchase receipt ( Phone camera accepted ) At any store chosen for your XXXX GIFT CARD, under no circumstances should you acknowledge that you are evaluating their services as that will deter the purpose of the whole program, so if asked if you are a mystery shopper please answer NO. \n\nAs soon as the evaluations are completed, kindly complete the assessment form attached to this email and send to XXXX along with the required pictures of the cards and receipts. \n\nPlease confirm receipt of this email by text to : ( XXXX ) XXXX Email completed report to XXXX XXXX at XXXX Remember you are to pick four ( 4 )  XXXX GIFT CARDS of {$500.00} each OR ten ( 10 ) XXXX GIFT CARDS of {$200.00} each in the store and pay with cash. \nXXXX XXXX, Head of Recruitment, XXXX XXXX XXXX. \nXXXX XXXX, Head of Recruitment, XXXX XXXX XXXX. \n\nI had done research online in regards to the credibility of the organization, there is a website for the firm XXXX XXXX, which is a PI form out of XXXX XXXX, NV. I used the contact form on the web page and sent an inquiry with an image of the check and letter I had received. \n\nToday, the actual XXXX XXXX private investigator contacted me and told me the individuals named is not affiliated with their agency and the checking account is not one of their banking accounts. They suggest this is a scam. The letter instructions were intending to get me to purchase 4 XXXX gift cards with {$500.00} cash each, scratch off the silver banner on the back and send them photographs to prove I had completed the QA assignment. I was to purchase at one of the following stores XXXX of XXXX XXXX and then complete a form regarding my QA contact with the employees within the named organizations. I was instructed to withdraw {$2000.00} cash from the deposit of this check keep {$300.00} for my fee and the other {$130.00} would be used on a later assignment which I would receive instructions. The firm then began texting me to find out the second the check posted to my account to detail exactly what I was to do by item, although they had already sent instructions. They claim the person who had requested the QA was pressing them with a deadline. This caused me to be alerted to the possibility that they were not actually part of the organization so I sent a contact form to XXXX XXXX via the website, noting also that according to their site, they ask the people applying to obtain some sort of a card, probably security clearance. They notified me that they suspect fraud and that it is likely that once the person had the identifying information from the cards the check would likely bounce and I would be held liable for the {$2400.00} from my personal account. \nI did not provide these individuals with my banking information, but they do have my identifying information phone and email as well as my personal home address.","date_sent_to_company":"2018-06-14T16:01:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85268","tags":null,"has_narrative":true,"complaint_id":"2936143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-06-14T15:26:42.000Z","state":"AZ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Please do not discard the cards as they will be used for <em>your</em> subsequent assignments. \n\nHere are the details we will need from the SURVEY, you can also find the assessment form attached to this email. \n\n-<em>Store</em> Name, Address, Date and time of visit - -Name of the cashier/Attendant { if visible on Tag ) -Did the <em>store</em> clerk thank you upon completion of <em>your</em> purchase? \n-<em>What</em> was <em>your</em> overall experience with the staff in the <em>store</em>?"],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.810995,"2936143"]},{"_index":"complaint-public-v1","_id":"5809160","_score":13.460993,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have made this complaint for 3 years to CapitalOne, over and over, I will change to another bank, but I am genuinely concerned, given what others have complained about when trying to do just that. This in and of itself, maybe yet another problem. However this is the complaint I have made last night to Capital One until I had a sore throat : COMPLAINTS ABOUT CAPITOL ONE If you want to pay your bill on line, it will show you anything but the bill itself. You'll get a screen that shows ; your Checking account, Savings or XXXX account and then supposedly your CC Bill. However, what it shows Front-and-Center is the total dollar amount as of the day you look at your account. BUT this has nothing to do with the amount that you actually owe during that billing cycle. Without exception, no other utility or bank statement works like that, that I've seen. Most are clear and concise about what you owe for that billing cycle and when its due. Clear and transparent. With Capital One if you actually want to look at your statement to verify charges ( which is always a good thing to do ) good luck with that. It is the most misleading, circuitous nonintuitive mess I've ever seen online. THIS IS NOT TRANSPARENCY IN BANKING. Moreover, if you call for help you'll be talking to someone in the XXXX, they don't know anything about this either, but they will have gathered a lot of sensitive financial information about you. If you speak with someone in the US, unless you speak to a \" manager '' they'll just hang up if they don't know the answer. \nIt took 3 hours, last night to try to find a quick way to see my statement. It took a few YEARS to finally get my \" paperless '' bill to show up ( email ) sooner than 4 days before it was due. Usually this means consulting, my spread sheet and having to login and then see the same misleading nonsense. There is a page that literally says \" well how much do you want to pay? But nowhere, does it say, this is what you owe by such and such Date. There is a way of also changing when you get notice of your bill and at the end of the 3 hours, I did finally and for the first time speak to someone who knew how to do this. Nothing should be this hard. Their departments are hazily defined, I really hope the States attorney general looks into this, I don't see how this is even in line with regulatory guidelines. Meaning, the customer should be able to access their bill online in the same fashion you see on a paper bill and /or other sites. One should easily be able to check charges made and know what would satisfy that billing cycle in total.\n\nA Word about outsourcing banking business. Believe me when I tell you that you have no control over what those people are doing with your information. Any laws meant to protect US citizens are virtually impossible to enforce in a foreign country. I have been scammed buy someone overseas working for XXXX XXXX XXXX ( they finally caught it ) after 4 months of XXXX. They took no responsibility, for the nightmare, and most recently XXXX  XXXX, no less, did the same thing. but they also caught them. It happens, and it is happening more often. \nIt makes some sense to have a brick and mortar store if you can find one, to balance this out.","date_sent_to_company":"2022-07-25T23:35:44.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"119XX","tags":null,"has_narrative":true,"complaint_id":"5809160","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-07-25T22:53:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["You'll get a screen that shows ; <em>your</em> Checking <em>account</em>, Savings or XXXX <em>account</em> and then supposedly <em>your</em> CC Bill. However, <em>what</em> it shows Front-and-Center is the total dollar amount as of the day you look at <em>your</em> <em>account</em>. BUT this has nothing to do with the amount that you actually owe during that billing cycle. Without exception, no other utility or bank statement works like that, that I've seen. Most are clear and concise about <em>what</em> you owe for that billing cycle and when its due."]},"sort":[13.460993,"5809160"]},{"_index":"complaint-public-v1","_id":"23094778","_score":13.229801,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I encountered a promotion on the XXXX platform that appeared to be an official XXXX promotional offer. This offer provided the opportunity to create, own, and operate a storefront on XXXX XXXX, In the XXXX XXXX Shop. Following this, I received a text message on XXXX directing me to the website XXXX XXXX XXXX XXXX XXXX which presents itself as a XXXX online store/video promotion platform. I was also invited to a XXXX group chat on XX/XX/XXXX with more than 20 other people who appear to be victims or targets of the same scheme. There appears to be between 4-5 Admins/Mentors. \n\nI am a Realtor who had been genuinely considering e-commerce ( I have registered with XXXX but not finalized the process ), so the offer initially seemed plausible to me. I have now realized I am not and never was enrolled in the XXXX Shop Program, and this site does not appear to be affiliated with XXXX in any way. \n\nAs part of the sign-up process, I was asked to enter and confirm my email address and phone number, which the operators now possess. The site operates a task-based fraud scheme in which users pay money to fulfill customer product orders, and \" promote '' or \" boost '' XXXX videos with the promise of earnings. They instruct victims that they do not accept traditional payment methods, and must adhere to sending either XXXX  coin or XXXX. Victims are also instructed to transfer their funds and request credit limit and daily withdrawal limits. \n\nThe fake XXXX XXXX Shop site 's panel shows, for example, an advertising cost of USD XXXX and order charges of USD XXXX each ( Order ID XXXX dated XXXX and Order ID XXXX dated XXXX ). The platform then displays what has appears to be fabricated statistics ( play counts, visits, shares ) and promises, but provides no way to withdraw funds after adding without completing orders, as orders are added in attempt to increase the demand amount. You are told that you can withdraw, but only in time to put it back to complete another order. This process causes the individual to be unable to actually withdraw their funds, they are instead being made to add more to it to \" complete '' another order. This is a pattern that appears to have no end, and seems to be motivated by those wishing to inflict financial and emotional harm. \n\nI have conducted further research since this incident, and I have found that the scam site ( XXXX XXXX XXXX XXXX XXXX ) that is being used as the fraudulent XXXX XXXX XXXX is XXXX XXXX XXXX XXXX. XXXX ( XXXX, XXXX ID XXXX ), with registrant identity redacted and registrant country listed as XXXX. The domain ( created XXXX, last updated XXXX, expiring XXXX ) is hosted behind XXXX  proxy IP addresses XXXX and XXXX. \n\nThe funds I lost represent my family 's life savings and earnings. Upon calling my bank ( Wells Fargo ) on XX/XX/XXXX to stop the fraudulent payments that I could see being displayed as pending in the Wells Fargo app and that I was a victim of cybercrime and fraud, I was told to file a claim. I also attempted to alert them to the face that these individuals are conducting an ongoing fraudulent operation that is impersonating XXXX XXXX XXXX. I was told, \" don't worry, Wells Fargo is your bank, we will help you. Calm down ''. I was provided with two claim numbers ( Claim # XXXX and Claim # XXXX ). \n\nI was then informed on XX/XX/XXXX via telephone by XXXX, their Fraud Claims Resolution Manager, that there would be no resolution, my claims would instead be denied and my account balance would continue to be in overdraft. The balance is now $ XXXX, and dropping, as I not only have car payments and insurance, but also other household bills paid through that account. When I insisted that they attempt to help, I was told that I would be given a call back in 1-2 business days. When I asked if I could call or be transferred, I was told that I could not. \n\nXXXX XXXX and XXXX are also not assisting with recovery efforts in any way. They have instead referred me to Wells Fargo and/or Law Enforcement. Please note that I have filed complaints with the Federal Trade Commission ( Reference # XXXX ), State of Florida Attorney General 's Office Fraud Unit ( Telephone : ( XXXX ) XXXX ), and FBI 's XXXX XXXX XXXX Division ( XXXX XXXX XXXX ). The XXXX Complaint is attached to this complaint. \n\nAdditionally, I have further screenshots of the site 's order history, payment panel, account pages, and the XXXX individual and group chats available upon request. I am also willing to provide investigators access to my login for the fraudulent site.","date_sent_to_company":"2026-06-11T00:04:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"23094778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-06-10T21:16:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Additionally, I have further screenshots of the <em>site</em> 's order history, payment panel, <em>account</em> pages, and the XXXX individual and group chats available upon request. I am also willing to provide investigators access to my login for the fraudulent <em>site</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.229801,"23094778"]},{"_index":"complaint-public-v1","_id":"2328568","_score":13.001052,"_source":{"product":"Credit card","complaint_what_happened":"My complaint is regarding a Southwest Air Rapid Rewards XXXX card ( Chase Bank ). If a cardholder earns XXXX points in a given year Southwest PROMISES that they will earn \" COMPANION PASS '' status. \nIn early XX/XX/XXXX I received an email notice from Southwest that we were just XXXX points short of reaching the XXXX mark. At that time, I called Southwest Customer Service ( XXXX ) to ask specifically how I could earn the remaining XXXX points. The XX/XX/XXXX statement had already been sent to us. Customer Service provided several suggested pathways, XXXX of them being to utilize the services of XXXX of their \" XXXX '' which are listed on their website. On the site there was an offer from a partner to purchase XXXX bottles of wine for {$69.00} + tax and receive an extra XXXX bonus miles. I SPECIFICALLY asked the customer service rep ( XXXX ) if that would suffice and she said \" yes ''. She also mentioned ordering flowers from a partner but the wine is what we preferred. She ASSURED me that once the purchase was posted in XX/XX/XXXX it would be added to my XX/XX/XXXX total since it was \" delivered '' in XX/XX/XXXX. It was added but only the purchase price and not the XXXX bonus miles. I called Customer service and they said the \" terms '' state that bonus miles do not apply to the XXXX program. I told them that in XX/XX/XXXX their service rep ( XXXX ) told me it would. They countered that she had made no mention of it in our account notes. Obviously, I had no control over the account notes. We debated the issue but the agent ( XXXX ) would not concede. I asked to speak to a higher level \" XXXX '' and was referred to a person named XXXX. XXXX was just as difficult. \nEXTREMELY FRUSTRATED, I again checked the list of \" PARTNERS '' to see if we had purchased anything from XXXX of the others on the list. In fact, we had. On XX/XX/XXXX we had our store XX/XX/XXXX party catered by XXXX In late XX/XX/XXXX, we were billed and paid for the catering in early XXXX with the XXXX XXXX card in question. The bill was {$50.00}. We paid with the XXXX XXXX ending in XXXX I relayed this information both on the phone and in detailed emails sent to the Southwest Customer service agents ( as requested by them ) WITH THE CATERING INVOICE and store managers name/phone number to several Southwest Rewards Customer Service Agents ( XXXX, XXXX, XXXX, XXXX ) ALL who said they would review the catering invoice and payment and \" CALL ME BACK ''. No one ever called me back. \nOn XX/XX/XXXX I received what appears to be a final determination from a XXXX stating \" We contacted XXXX Flowers on your behalf, and they are unable to honor your request for points at this time ... The file reference number for your email is XXXX. '' This is incredible and frustrating. I never claimed to have purchased from XXXX and had sent in such detailed documentation of the XXXX purchase. There should be not doubt or confusion. \nThe only conclusion I can make is that they are being deceptive and are planning to cheat us out of earning the XXXX status that they strongly promoted. \nAny assistance that you can provide is greatly appreciated. \nThank you.","date_sent_to_company":"2017-02-05T14:59:53.000Z","issue":"Other","sub_product":null,"zip_code":"14624","tags":null,"has_narrative":true,"complaint_id":"2328568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-02-05T14:59:52.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Customer Service provided several suggested pathways, XXXX of them being to utilize the services of XXXX of their \" XXXX '' <em>which</em> are listed on their website. On the <em>site</em> there was an offer from a partner to purchase XXXX bottles of wine for {$69.00} + tax and receive an extra XXXX bonus miles. I SPECIFICALLY asked the customer service rep ( XXXX ) if that would suffice and she said \" yes ''. She also mentioned ordering flowers from a partner but the wine is <em>what</em> we preferred."]},"sort":[13.001052,"2328568"]},{"_index":"complaint-public-v1","_id":"3592578","_score":12.950126,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My troubles started on XX/XX/2020 I went to the local store to check my balance at a ATM machine inside the store I only wanted to check my balance to see if my benefits had arrived they had it was {$780.00}, the store that I was in will give you {$20.00} up to {$20.00} back in cash I need it {$40.00} therefore I decided to purchase a few items 2 x my first purchase was 2 sparkling Waters at a dollar each week is {$2.00} and I asked the {$20.00} back, I use my card approve the amount of {$22.00} put in my PIN number and was approved, I'm still in the store is less than 10 minutes for my second purchase wake was a pack of cigarettes 1 malt liquor and some type of candy my total came to {$38.00} and some senses I approve them out put in my pin card and my purchase was declined I tried again and my purse was still declined, so I went back to the ATM machine that's in the store to inquire on my balance XXXX  why we was denied or declined so I went out of the store to another store a couple of blocks away XXXX I tried to use my card on the ATM machine and it was declined stating that I temporarily did not make this transaction. I walked back to my apartment and discussed what happened to my money what's wrong with my card so I called direct Express and waited approximately 35 minutes before one of the agents came on the line the process in order to speak to an agent is 2 in your card number your PIN number your balance will be quoted and the last deposits that were made after which you have the option to use more services my option speak to a agent I don't remember which option I chose but I know it was one that led me to a agent, when the agent answered the phone I explained to him my problems, the agent responded by saying that my card had been blocked put on hold locked not by its agency but by MasterCard and that it would take a 24-hour. Of non-usage of the card before I was able remove the block with that was placed on my card I asked XXXX why would they put a block on my card he explained to me that using my card in the store twice to get money back looks like a fraudulent act of someone trying to get money off my card, I explained to the agent that there's nothing froglet fraudulent and me trying to get money off of my card he explained to me what it looks fraudulent to us I asked the agent is any way that you could get the lock off my card he explained that MasterCard is the one who put the lock on and that I would have to wait 24 hours from the last attempt made to withdraw funds off the card, I was unsatisfied with this so I called MasterCard, MasterCard answered the phone within a reasonable time 3 to 5 minutes, I explained to the agent the problems I was having and that direct Express conveyed to me that you that your company put a lock on my card, did I was speaking with explain to me the day do not do such actions with direct express that I would have to call back to direct Express, which I did and this person came on the phone 48 minutes later after I gone to the procedure did I explained earlier, I explained to the agent the problems I was having and that I spoke to MasterCard and that they could not and would not place a hold on my card, the agent explain to me that the card had no lock or hold on it and that I could use it. By the way each time that I called direct Express no matter what I entered to speak with an agent my car was always transferred to the fraud division ask to change my PIN and was referred to the floor division keep that in mind. I was somehow disconnected from the call and had to call back this time I wake I believe was 38 minutes before answer, after the agent answer the phone, I explained the problems I was having using my card and that I just talked to MasterCard and they explain to me that they would not put a hold on my card, the agent explain to me that my car does not have a lock or hold on it and that I should be able to use it and that I should go back to the store while she was on the phone to verify my usage of the card I would have to use the chip reader, so I walked back towards the store at which time my phone unbenounced and unaware that me had died because of low battery so I can turn you to the store and tried to ATM machine to see if I can get a balance I couldn't not, so I went back to my apartment, and call direct Express again after going to the procedure and waiting this time I believe for 48 minutes an agent came on I explained to the agent the problems I was having and that if I was able to talk to a supervisor after questioning me on my identity through questions and answers the agent inquired upon my account and explain to me that my card should work and that I should go back to the store and that he would hold on the phone until I went to the store to use my card and that I would have to use the chip reader so I went back to the XXXX purchase one item inserted my card in the chip reader and it would not be accepted the agent was still on the phone at the time and I'm explaining to him that the the chip reader would not accept the card, he insisted that it worked and that I should try again so we did the car did not work it was declined, the agent then explain it to me that something must be damaged or wrong with my chip and that he could send me another card I knew that would take at least three days expediently and that I would have to call pay for the cost, I explained that to the agent that I would have to wait 3 days and pay cost and why am I being penalized for something that they did by putting a lock on my card XXXX XXXX to waive the fees and send me another card, I asked if there was any other alternative so I might have getting my money right away he explained to me that I could go to the bank in the morning and use the banks chip reader and that I can get my money off the card so I did that in the morning around XXXX XXXX I left my apartment and got on the bus to go to the bank I used to bank machines or ATMs that of XXXX and that of XXXX XXXX  in both cases actions were declined stating that temporarily this action can not be completed now it is the morning of XXXX XXXX so I go back to my apartment to call direct Express once again it is taking me this time 53 minutes before agent answer the phone I asked the agent if I can talk with a supervisor to explain the problems I've been having I never was directed in speaking to a supervisor instead the agent insisted that the card should work and that there was no no block or a hold on my cardon my card advise me to change my PIN and that I should be able to use my card, I explained to the agent that they had put a block on my card and I'm not able to use it the agent insisted that they had done no such thing and I should be able to use my card that I should first change the pin number I tried this and tried to 4use the card  afterwards and the car was decline stating that that action temporary could not be completed try later my frustration was at a point a boiling over, I asked the agent to speak with a supervisor and was not granted the choice instead I was giving more XXXX  in order to shorten the story and move on I had attempted 18 * speak with direct Express in this matter, with no resolution to the problem, so my next step was to call MasterCard explain the situation and see if I were able to get any assistance the agent answer the phone when the reasonable time at 3 or 5 minutes I explained to the agent the problems I was having, they can explain your Master card could not do much but referred me to a number that I could get through it at this time calling direct Express to try to talk to anyone was impossible after emptying my card number the proper way to explain to me did I should try later and hang up so the agent at MasterCard gave me another number to direct Express that I should try I tried the number accepting my card number and pin number and transferred me over to the fraud division I guess of direct Express, I spoke with the agent again of direct Express and explain to the age of the problem that I was happy the agent explain to me at this point did I need to send in documentation to verify that I am the person who is the cardholder, that did not sit well with me first of all it was costing me more time and I explained to the agent I should have to explain or verify my identity you have been using your method of answers and questions to identify me why now anyway to make a long story short they asked me to send a picture ID and some other documentation I did it add a protest and frustration they got to me back right away by email this site was usdirectexpress.com, I sent the documentation that they ask for at a protest and received a reply from them I also sent another letter to them out of protest of more documentation I also demanded {$1000.00} a day of them for siege it for everyday that my benefits were denied because of seizure of my card I think that's the Gest of it.","date_sent_to_company":"2020-04-08T13:37:30.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"891XX","tags":null,"has_narrative":true,"complaint_id":"3592578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2020-04-03T22:57:24.000Z","state":"NV","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["I walked back to my apartment and discussed <em>what</em> happened to my money <em>what</em>'s wrong with my card so I called direct Express and waited approximately 35 minutes before one of the agents came on the line the process in order to speak to an agent is 2 in <em>your</em> card number <em>your</em> PIN number <em>your</em> balance will be quoted and the last deposits that were made after <em>which</em> you have the option to use more services my option speak to a agent I don't remember <em>which</em> option I chose but I know it was one that led me"],"sub_issue":["Trouble using the card to spend money in a <em>store</em> or online"]},"sort":[12.950126,"3592578"]},{"_index":"complaint-public-v1","_id":"9064582","_score":12.760877,"_source":{"product":"Credit card","complaint_what_happened":"The Apple Card keeps charging my account for a charge from XXXX saying they side with XXXX XXXX although I have proof from XXXX XXXX that they believe my account was hacked and do not find me responsible for the charge. \n\nHere is my back and forth with Apple Card in XX/XX/XXXX. I also called them by telephone in XX/XX/XXXX and I am beconing frstrated with them because they say the investigators are from Goldman Sachs and not their offices, yet they can not provide me with the information to speak to these investigators myself.\n\nFirst and foremost, I already submitted a copy of the email from XXXX dated XX/XX/XXXX numerous times to the Apple Card which explained that that they are not holding me responsible for the fraudulent purchase on my account on XX/XX/XXXX for an event that was taking place on XX/XX/XXXX across the country so this should have been closed in my favor already. \n\nLets review the letter that was sent to me from Apple Card multiple times since I've had to dispute this charge multiple times. \n\nPAGE 2 MERCHANT RESPONSE PAGE 2 is pretty much blank, so it doesn't look like any type of dispute response.\n\nThis would coincide with my phone call to XXXX on XX/XX/XXXX in which they said that my Apple Card closed the dispute in their favor without a response from them. \n\nThe only thing marked with an \" X '' is XXXX - Documentation to prove cardholder in possession of and/or using merchandise. \nHow can I use the merchandise if the event was held on XX/XX/XXXX and XXXX closed my account for my safety a month prior on XX/XX/XXXX? \n\nIn BOLD on PAGE 2 it states ... ( 2 or more options must be selected ) and it seems nothing was selected by the merchant although your document used the word must.\n\nThe rest of PAGE 2 basically has XXXX  responses. \n\nPAGE 4 COMPELLING EVIDENCE PAGE 4 of the document you sent me is illegible and any reasonable person looking at it would have to agree. I even took a picture and zoomed in and it is still illegible mainly because it's pretty much entirely black. It's pretty embarrassing on your part that this would even be sent out to me in this condition.\n\nSo basically to me, the COMPELLING EVIDENCE PROVES NOTHING because I can't see what it is. \n\nPAGE 5 I really don't understand what PAGE 5 is but it marks the date of purchase time as XX/XX/XXXX at XXXX Hours. \n\nBy XXXX Hours which is XXXX XXXX for me, I had already contacted my Apple Card hours before about the fraudulent purchase and even had a new card number well before then. I also contacted XXXX well before this time, so I'm disputing that this is even correct information on this report. \n\nIt says the device information is a cell phone, but what location was this phone in at the time of purchase and how do i find out the ip address of my phone? \n\nPAGE 7 XXXX XXXX at XXXX XXXX XXXX the only thing missing is the date of the event which was 4 weeks later on XX/XX/XXXX and the fact that I live in New York and haven't traveled to California since XXXX. \n\nAs far as my address, email. etc ... of course XXXX XXXX will have this information because I had an account with them probably going back over a decade. Again the purchase time is 2-3 hours AFTER I reported this to Apple and it's not evidence if an alleged scammer first hacked my account in XXXX. It just means someone was on my account without my permission or authority without my knowledge, permission and/or authority I would like you to provide me with the location of the cell tower where these purchases were made, because I know where i was all day on XX/XX/XXXX. \n\nPAGE 8 Of course XXXX XXXX had my card info, it was stored on their site for years. this does not mean I went on the site to purchase these tickets as anyone who hacked my account could have went on. If they look later in the day, after I became aware of the fraud, I went on their site to dispute it. Hackers have the ability to manipulate someone's IP address. \n\nCLOSING STATEMENT I never bought tickets for a XXXX game nor did i ever have in possession tickets for a XXXX game on XX/XX/XXXX in XXXX XXXX. I notified my Apple Card and XXXX XXXX more than 4 weeks prior to this event that these tickets were allegedly purchased for. That is more than enough time for XXXX to take action to void it. In addition, XXXX XXXX closed my account on XX/XX/XXXX for my safety and sent me an email saying that I am not responsible for the charges. This is an open and shut case, and I'm not happy that I'm here spending my time defending myself for this over 2 months later.","date_sent_to_company":"2024-05-21T18:43:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"10954","tags":null,"has_narrative":true,"complaint_id":"9064582","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-05-21T18:19:05.000Z","state":"NY","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["It just means someone was on my <em>account</em> without my permission or authority without my knowledge, permission and/or authority I would like you to provide me with the location of the cell tower where these purchases were made, because I know where i was all day on XX/XX/XXXX. \n\nPAGE 8 Of course XXXX XXXX had my card info, it was <em>stored</em> on their <em>site</em> for years. this does not mean I went on the <em>site</em> to purchase these tickets as anyone who hacked my <em>account</em> could have went on."],"issue":["Problem with a purchase shown on <em>your</em> statement"]},"sort":[12.760877,"9064582"]},{"_index":"complaint-public-v1","_id":"3783177","_score":12.677346,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I bought some electronics at bestbuy using my bestbuy store credit card with 18 months interest free financing. I set up recurring payments to pay the minimum with the intention of paying off the loan in a lump sum at the appropriate time. In the past when I have done this, I have been able to log into my account easily to see when the promotion was ending to make the full payment. This time, it looks like bestbuy transferred the credit card management site to Citi bank and even though they claim you can log in with your bestbuy account information, I couldn't log in when redirected to the site. I wasn't able to call in time to have this login issues resolved. And because I setup automatic recurring payments, I thought I had ample time. To my surprise, I saw an email with a balance much higher than the amount left to be paid off ( {$4300.00} instead of {$2800.00} ). Between Citi bank and/or bestbuy, it looks like they pile up all the interest accrued for the 18 months of the promotion period and apply all that at the end ( XX/XX/XXXX for me ) for you to pay, which is an unexpected and crazy amount to begin with. I have not seen any interest charge on my other credit cards applied in this deceitful way. \n\nBeing a loyal customer for over 10 years now, I have tried working with them to get these unreasonable interests off but they have been very inflexible to work with and it really seems like they don't care, even with the hard times we are in, given the pandemic and are just happy to stick me with the interest of {$720.00} and {$920.00} for 2 consecutive months. \nI spoke with a representative about their covid relief plan, which allows an extra 2 months extension of the promotion and she said she will be able to apply that for me so I pay off the loan, which I paid off right there with my emergency stash funds. The extension was to allow me till XX/XX/XXXX and I paid the full balance off XX/XX/XXXX. However, I still see the second interest of {$720.00} after 2 days and when I called in again just today ( XX/XX/XXXX ), they are telling me they can only take off one interest charge within a calendar year so there is nothing they can do. They are now saying that i requested the assistance after they had charged the interest so it doesn't apply to me. \nI honestly do not know what to do and don't have the funds for this charge, which I strongly feel is not a fair charge to begin with. This does not seem fair at all being at the hands of such big companies charging me this crazy amount in these crazy times and basically sticking me with a severely unfair debt in my opinion. To make it even more painful, the customer service representatives only say they completely understand me but there is nothing at all they can do. I have never felt so helpless before. \nI am asking that you please step in here and help me out of this predicament. I am happy to answer any additional questions via phone.","date_sent_to_company":"2020-08-07T05:30:30.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"53224","tags":null,"has_narrative":true,"complaint_id":"3783177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-08-07T00:19:58.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["This time, it looks like bestbuy transferred the credit card management <em>site</em> to Citi bank and even though they claim you can log in with <em>your</em> bestbuy <em>account</em> information, I couldn't log in when redirected to the <em>site</em>. I wasn't able to call in time to have this login issues resolved. And because I setup automatic recurring payments, I thought I had ample time. To my surprise, I saw an email with a balance much higher than the amount left to be paid off ( {$4300.00} instead of {$2800.00} )."],"sub_product":["<em>Store</em> credit card"]},"sort":[12.677346,"3783177"]},{"_index":"complaint-public-v1","_id":"8857670","_score":12.547446,"_source":{"product":"Credit card","complaint_what_happened":"Home depot credit services Consumer Financial Protection Bureau Consumer information and complaints XXXX XXXX In reference to the letter ( copy enclosed ) dated XX/XX/2024 stating that Citibank had processed my request to stop all collection calls relating to the past due status on your Home Depot consumer credit card account that is a quote from the letter. As with most of what this company has done in this situation this is absolutely incorrect I did not make that request I point blank told them that the charges were being disputed that I would not be paying the bill until that was properly satisfied I told them that the documents that they based their dispute decisions on were forgeries and not signed by me. ( Copies enclosed ) I also told them that they had better not cause me any problems with my credit rating and if they did I would sue them. I was on a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time of the call. I was nearly hit by a passing car due to the distraction. I did not at any time tell them not to contact me. I will say that when I call them I'm able to record the phone conversation so I have proof of what has been said in this case they called me I was not able to do so. This company is the most horrible company I've ever dealt with I have two other credit accounts with them that are in good standing with no problems at this time but I will be rectifying that problem as soon as I can do so. During phone calls to the company I have been hung up on at least a dozen times making it impossible to try to deal with them in a timely fashion. I have logged over 15 hours on phone conversations with them. I told them I will no longer initiate calls to them and they need to provide me with an email to correspond. The correspondence from their online system are not available most of the time to me. And do not print for records ( copies enclosed ). I will be sending this by certified letter. I do intend to file litigation against Home Depot and Home Depot credit services for their actions in this situation both the install of the product the forgery of my signature on the acceptance of the project ( it is still unclear as to which of the entities committed the Forgery, as all involved have been uncooperative with Law Enforcement ) and the fact that they have not properly handled this from the very beginning. According to the Federal Trade Commission, Consumer advice web site ( see below ) information, if I pay this bill or any part of the bill it will eliminate my ability to file suit against them in the future because of that until the dispute is completely handled and the forgery is addressed I will not be paying this bill I do still dispute the bill and I am going to send copies of all of this to the credit bureaus on my behalf, the F T C and the Arizona Consumer Protection division of the Attorney Generals office. \n\nIf You Have a Complaint About the Quality of Something You Bought If you have a problem with something that you paid for with a credit card, you can take the same legal actions against the issuer as you can take against the seller under state law. That depends and may differ from state to state. Search for your states consumer protection agency to learn more about protections and requirements in your state. \nFor example, suppose you purchased an appliance that stops working after a month. If your state law gives you the right to sue the seller for this problem, you would also have that right against the issuer. So you could dispute the amount due withhold payment, and ask the issuer to investigate the problem. They could not require you to pay the dispute amount without first conducting an investigation. If you are not satisfied with the outcome, you still retain any state rights you may have : If you have the right to sue the seller, you also have the right to sue the issuer for the problem. But to use this federal right you must withhold payment. To take advantage of this protection The goods or services must have cost more than {$5.00}. \nYou must have bought it in your home state or within 100 miles of your current billing address. \nYou must have tried to resolve the dispute with the seller first. \nIn a few situations, such as if the seller is also the issuer, the dollar and distance limitations don't apply. So, if you bought a washer from an appliance store, using a credit card that the store issued, you would only have to try to resolve the dispute with that company first, regardless of the price of the item bought or in what location you bought it. If the seller would not resolve the problem, you could then dispute the problem with the issuer. This means you should contact the seller quickly, and if they dont promptly resolve the issue, you can dispute the charge with the issuer and explain why you are withholding payment. The issuer can not report you as delinquent in this situation, until the dispute is settled or a court makes a judgment. \nthey may have threatened to report your failure to pay during the dispute period. Even if it turns out you owe the disputed amount, the issuer loses the right to collect up to {$50.00} from the amount they otherwise could collect, because they violated the law. \n\nas if the seller is also the issuer, the dollar and distance limitations don't apply. So, if you bought a washer from an appliance store, using a credit card that the store issued, you would only have to try to resolve the dispute with that company first, regardless of the price of the item bought or in what location you bought it. If the seller would not resolve the problem, you could then dispute the problem with the issuer. This means you should contact the seller quickly, and if they dont promptly resolve the issue, you can dispute the charge with the issuer and explain why you are withholding payment. The issuer can not report you as delinquent in this situation, until the dispute is settled or a court makes a judgment. \n\nBased in this rule Home Depot Credit Services must notify all credit reporting agencies that this bill is being disputed. So that it will not have a negative effect on my credit rating XXXX XXXX","date_sent_to_company":"2024-04-29T16:39:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"864XX","tags":"Older American","has_narrative":true,"complaint_id":"8857670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-04-25T22:07:04.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["So, if you bought a washer from an appliance <em>store</em>, using a credit card that the <em>store</em> issued, you would only have to try to resolve the dispute with that company first, regardless of the price of the item bought or in <em>what</em> location you bought it. If the seller would not resolve the problem, you could then dispute the problem with the issuer."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["<em>Store</em> credit card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[12.547446,"8857670"]},{"_index":"complaint-public-v1","_id":"2726287","_score":11.901054,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX called my wife at XXXX XXXX XXXX XXXX on XX/XX/XXXX that is a very busy part of her workday and she was n't able to talk right then. Soon after, she called me XXXX XXXX I 'm an XXXX and was with a customer when she called and could n't answer my phone at the time. XXXX actually violated the Fair Collection Practices Act by then calling my husbands employer and letting them know that Reliable Credit was trying to contact him. This caused me severe stress that they left a message stating what company they were with. If you do n't call Reliable Credit back immediately, they will call you several times in one day.\nWe are going through a difficult time which I had just explained to a representative of your company just 1.5 weeks ago. We relocated to XXXX Oregon and have had several chain reaction events happen in our lives to cause us to get behind on payments, a medical emergency, a job that baited and switched on my husband turned out to be a terrible work place and only paid once a month, my wife 's job also paid once a month, this was very difficult for us to adjust to once we had already moved. The most helpful thing they could have done was to put one or two of those payments to the end of our contract like XXXX  did on my Wife 's car. Instead they have offered no help like this and instead have called us several times a day until we had the chance to get back to them and caused severe anxiety and stress while we were at work during times we were unavailable to talk with them. Leave a message, allow someone a chance to call you back. They also processed a payment without our permission using online stored bank account information. Last month, someone at Reliable Credit processed a payment that was not scheduled. I looked on the site to see how much we owed for a payoff balance and we had decided to make the payment on the XXXX of the month, three days later, a payment that was not scheduled by us hit our bank account and caused us to have a difficult time of surviving for two weeks with no money and cause overdraft fees and returned a different scheduled payment.","date_sent_to_company":"2017-11-10T18:41:46.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"977XX","tags":null,"has_narrative":true,"complaint_id":"2726287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Reliable Credit Association, Inc.","date_received":"2017-11-10T18:23:10.000Z","state":"OR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["This caused me severe stress that they left a message stating <em>what</em> company they were with. If you do n't call Reliable Credit back immediately, they will call you several times in one day.\nWe are going through a difficult time <em>which</em> I had just explained to a representative of <em>your</em> company just 1.5 weeks ago."],"issue":["Struggling to pay <em>your</em> loan"]},"sort":[11.901054,"2726287"]},{"_index":"complaint-public-v1","_id":"11183751","_score":11.81338,"_source":{"product":"Prepaid card","complaint_what_happened":"I contacted XXXX at XXXX on or around XX/XX/year>. XXXX is a health reward benefit offered by my company, XXXX. I contacted them because after successfully using the card XXXX time, I could no longer use the card. There was a balance of {$80.00}. I was told XXXX could not do anything except resend the redemption email ( which they did ) and said I would need to contact XXXX at XXXX. I spoke with XXXX who said they could not help after the card had been redeemed and I would need to speak directly with XXXX at XXXX. \n\nI called XXXX and explained my dilemma and they said the card had been locked due to suspicious activity on an invalid website or a phishing site. They created a case number : XXXX wherein my issue would be reviewed by a tier XXXX department. \n\nI received this request for more documentation from the CC company : Information Pending Subject : XXXX XXXX XXXX XXXX XXXXXXXX Hello, Additional information is required to resolve your inquiry. \nThis is in reference to XXXX. Please see below for the requested details and kindly provide a response within three business days. Thank you! \n\nComments : XXXX XXXX, We are reaching out from XXXX Incentives. We will be happy to assist you with any inquiries you might have. \n\nWe are pleased to inform you that we needs some documentation to validate ownership of these card, please help us by sending the following documentation : -A copy of the redemption email. \n-A valid government-issued ID. \n-A copy of a utility bill showing the cardholders name and address. \n\nAs soon as you send the documentation, we will continue working to validate the information. \n\nBest Regards, XXXX XXXX. \nClient Experience XXXX XXXX. \n\nI sent them an email stating that I felt that requesting a government ID and a Utility Bill was excessive and evasive, and I did not feel comfortable providing this information to them My email read : This request seems very invasive for a gift card incentive I received at work. Please explain to me why unlocking a block on my card requires so much personal information that could be used nefariously by any one of your staff. \n\nI am attaching the redemption email for both cards I received because I have no clue which redemption email goes with what card. \n\nI am willing to send you a picture of my work badge but that is all I am willing to send. They have my mailing address on file if you would like to get it from them. \n\nXXXX XXXX XXXX I received another email from them as follows : Information Pending Subject : XXXX XXXX XXXX XXXX XXXXXXXX Hello, Additional information is required to resolve your inquiry. \nThis is in reference to XXXX. Please see below for the requested details and kindly provide a response within three business days. Thank you! \n\nComments : XXXX XXXX, Thank you so much for your response, In order to protect your account and prevent any potential unauthorized activity, we took the precautionary step of blocking your card. Our monitoring system detected that your card details were entered on a website that appears to be a spoof or phishing site. These sites are designed to look like legitimate platforms but are used to steal personal information. \n\nWe understand that this situation can be frustrating, and we want to reassure you that your security is our top priority. To resolve this matter, we needs some documentation to validate ownership of these card, please help us by sending the following documentation : -A valid government-issued ID. \n-A copy of a utility bill showing the cardholders name and address. \n\nAs soon as you send the documentation we will continue working to validate the information. \n\nBest Regards, XXXX XXXX. \nClient Experience XXXX XXXX. \n\nAgain, I declined stating : I guess keep the XXXX $ then because this was a reward for healthy choice from my job and again. I will not be sending my government ID or a utility bill. \n\nI will NEVER redeem my rewards for a XXXX XXXX Credit Card and have let my coworkers on my team that participate to avoid Visa Rewards and just stick to box store gift cards like XXXX XXXX, XXXX, XXXX, and online retailers like XXXX. \n\nI would like to express how disappointed I am at the overreach of your monitoring system. I can tell you exactly what websites I tried to use the card in and every single one was legitimate. I believe this is part of anti-money laundering initiatives and I will not participate by surrendering my government ID or a utility bill. \n\nI wonder how much money is surrendered/forfeited because others have also taken a stand against the overreach. \n\nI wish it was the card with a balance of XXXX $ but it is what it is at this point. All I had to do to get the reward was exercise and participate in company sponsored activities through XXXX. XXXX just earn more next year. \n\nWarm Regards, XXXX XXXX XXXX, they sent another email stating they would close the ticket if no documentation was provided within 2 days. \n\nInformation Pending Subject : Cardholder Services - XXXX XXXX XXXXXXXX XXXX, Additional information is required to resolve your inquiry. \nThis is in reference to XXXX. Please see below for the requested details and kindly provide a response within three business days. Thank you! \n\nComments : XXXX XXXX, We are reaching out from XXXX Incentives regarding the replacement card, we will be happy to assist you with any inquiries you might have. \n\nWe want to share with you that we are still waiting for a response of the documentation, please respond to this email within the next 2 days or we will continue this case as resolved. Our team will review your response and provide an update accordingly. \n\nBest Regards, XXXX XXXX. \nClient Experience XXXX XXXX. \n\nMy response : I will NOT be providing a Government Issued ID nor will I be providing you with a utility bill showing my current address. This card was locked by your company and should be unlocked by your company. This request goes above and beyond fair and reasonable documentation to prove I am the benefactor of this card. I provided you with the redemption email showing I received the reward as a benefit from my company for wellness. \nClose the ticket and steal my money as I am sure that is the ultimate goal of your organization. \n\nI will forever feel like your company is fraudulent and will avoid redeeming my castlight points for a XXXX  XXXXXXXX XXXX XXXX and will instead chose an XXXX gift card as they have never violated my rights. \n\nXXXX XXXX My corkers told me about CFPB and I decided to file a complaint against XXXX and XXXX Incentives. Their email is : XXXX XXXX","date_sent_to_company":"2024-12-17T13:55:21.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"762XX","tags":null,"has_narrative":true,"complaint_id":"11183751","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Blackhawk Network Holdings Inc.","date_received":"2024-12-17T12:49:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["Comments : XXXX XXXX, Thank you so much for <em>your</em> response, In order to protect <em>your</em> <em>account</em> and prevent any potential unauthorized activity, we took the precautionary step of blocking <em>your</em> card. Our monitoring system detected that <em>your</em> card details were entered on a website that appears to be a spoof or phishing <em>site</em>. These <em>sites</em> are designed to look like legitimate platforms but are used to steal personal information."],"sub_issue":["Trouble using the card to spend money in a <em>store</em> or online"]},"sort":[11.81338,"11183751"]},{"_index":"complaint-public-v1","_id":"3481115","_score":11.535887,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Comenity Bank XXXX XXXX XXXX XXXX OH XXXX Credit Bureau Disputes Department Re : Credit Dispute for XXXX and XXXX Payment and Recent Conversation Confirmation # XXXX ( payment / dispute ) This letter is to request your investigation and correction of late payments reporting for an account that I hold with Comenity Bank Ann Taylor  ( ending XXXX? ). I made a purchase this past summer which proved to be extremely difficult to payoff. The record of events as I see it are as follows : - Sometime in XXXX XXXX, I was offered an upgrade to Ann Taylor Rewards Card. This referral was conducted by an associate at the XXXX XXXX Ann Taylor store in XXXX XXXX. I was not aware this change would have a material effect to my Ann Taylor card ( at that time ) or cause a credit inquiry for that matter. \n- I never received a new Ann Taylor Rewards card, thus I never activated the Ann Taylor Rewards card. I was operating under the assumption that my prior card was in effect. \n- This past summer ( XXXX ) I made a purchase on my Ann Taylor card. The associate offered to charge the purchase on my card, despite me not having a card present or activated. \n- I receive notification that my XX/XX/XXXX payment was reported late. \n- I never received a statement. So I log on to the Ann Taylor card site and see that my balance is {$0.00}. Youll have to confirm within your records what date this occurred. I found it odd that my balance was {$0.00}. And then also see my old address is on file. I change it to my current address. \n- On XX/XX/XXXX, I call to straighten out what might be going on. As far as I can see, I dont owe money I know that that is not right but the site says I owe {$0.00}? The lady on the call proceeds to advise me that I am not logging into the correct Ann Taylor Credit Card portal with Comenity Bank. Seriously?? Could you make things anything more difficult and overly complicated for consumers? She proceeds to tell me that I was upgraded to an Ann Taylor Rewards card at some point, which de-activated my old account. However, I was never switched over to the Ann Taylor Rewards online service system. She proceeds to de-activate my old AT card  login/credentials and helps me enroll into new system where I can finally see all of my account details. Including an old address ( that prevented me from receiving statements ) and the new card # I never activated. She was kind enough to listen to me and understood why this situation could cause so much confusion and a costly late payment reporting to my credit. I indicated that I wanted to dispute the late payment. She proceeded with refunding one late fee. I appreciated the gesture and clarified that I wanted to dispute the late payment, not the fee. She provided me the address to submit a dispute. I made a payment in full to bring the account to a XXXX   balance during this call. \n- I recently received a credit bureau alert notification that indicated the XX/XX/XXXX payment was reported late?! How is this possible?! I made a payment in full on XX/XX/XXXX with the same agent to take care of this ridiculous matter. The payment was authorized on XX/XX/XXXX and cleared my account on XX/XX/XXXX for {$68.00}. XXXX is saying my last payment was made on XX/XX/XXXX, the date the payment was authorized. ( See image below ). \n- I have two other Comenity bank credit card products with you - XXXX XXXX and XXXX XXXX. Never have had an issue with those accounts. In fact, I dont ever make payments late ( with the exception of one time ; the month my son was born XX/XX/XXXX ). \n\nI am disputing the two late payments reported in XXXX and XXXX due to neglect and incomplete maintenance of my Ann Taylor accounts on Comenity Banks behalf. I was not informed the accounts would severe/separate as a result of this new rewards program. Nor was I provided guidance on how to maintain, service or pay the rewards account prior to the late payment reportings. Please also refund any late fees that were collected as a result of my XX/XX/XXXX payment. \n\nThank you, XXXX XXXX XXXX XXXX","date_sent_to_company":"2019-12-30T21:17:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78230","tags":null,"has_narrative":true,"complaint_id":"3481115","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2019-12-30T21:10:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["So I log on to the Ann Taylor card <em>site</em> and see that my balance is {$0.00}. Youll have to confirm within <em>your</em> records <em>what</em> date this occurred. I found it odd that my balance was {$0.00}. And then also see my old address is on file. I change it to my current address. \n- On XX/XX/XXXX, I call to straighten out <em>what</em> might be going on. As far as I can see, I dont owe money I know that that is not right but the <em>site</em> says I owe {$0.00}?"]},"sort":[11.535887,"3481115"]},{"_index":"complaint-public-v1","_id":"3879488","_score":11.371728,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"BJs Wholesale Club told me if I opened a credit card with them, I would receive a {$40.00} credit on my first bill. I questioned the rep extensively about this credit and she assured me the {$40.00} would show on my first bill as a promotion credit. Got first bill. No {$40.00} credit. Called BJs. BJs Manager, XXXX, via a store rep told me they would give me a {$40.00} gift card. I asked if I could use this toward the charge on my credit card. They said no. Rep told me I was definitely eligible and didn't understand why I didn't get the credit. They told me to call the rewards division of the bank. I called 3 or 4 different numbers. Hung up on three times. Each time I called I had to go thru the ARU and answers all the questions AGAIN. Spent an inordinate time being transferred, put on hold, having to retell the issues only to be transferred and put on hold again. I finally reached a gentleman,  XXXX, who told me he could give me a gift card or send me a check. I told him I didn't sign up for the credit card to be given a gift card. He said they could issue me a check but it would not arrive for 4 to 6 weeks. Long after the credit card is due. He also told me I would receive an email stating I would receive a check and assigned me a  reference number XXXX. NO email. I then contacted the bank who issued the credit card in conjunction with BJs. I was unable to find a link on their site to dispute a charge so I sent a message asking where to find that link. Their response : From : Comenity Bank Sent : Saturday, XX/XX/2020, XXXX XXXX  ( ET ) To : You Subject : Re :  Fraud Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your Mastercard account. This card is issued by Comenity Capital Bank pursuant to a license by Mastercard International Incorporated.\n\nMastercard is a registered trademark of Mastercard International Incorporated. \n\nSubmitting a billing dispute is easy. To protect your rights under the Fair Credit Billing Act, we need to receive your dispute in writing through the mail, within 60 calendar days of the date on your first billing statement with the disputed transaction. Please include your : - Name - Address - Account number - Disputed amount - Specific transaction - The reason for your dispute Also, include any information that may help us such as sales receipts or other documents that may support your dispute. Send your written dispute to us here : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX I responded saying by the time all this had taken place my bill would have become due and I would have had to pay it - negating the need for the dispute. \n\nThis whole this is fraudulent. I signed up for a credit card upon BJs urging and was promised a {$40.00} credit on the first bill. I did not get it. I then had to spend a large portion of my day trying to recoup this promotional credit. Neither BJs, the credit card rewards program or the bank is taking any responsibility for this other than saying they would issue me a gift card. Of course, I would have to go to the BJs store if I wanted the gift card - something I am not doing under the present virus situation. \n\nWhy does it always fall on the consumer to 'fix ' the inadequacies of a credit card, a rewards program or a bank? No one oversees the banks. It is a joke. They can do and do whatever they please. If they choose not to live up to their agreements nothing is done to them at the time or to prevent this in the future. They give you the run around and their solution to not accepting responsibility is to transfer you continually or hang up on you or both. Most people would not follow through on this. I am one who did although I am not sure that it will change anything. What are you going to do to protect my consumer rights? \n\nIncidentally, applying for this credit card I didn't even want hurt my chances of securing another credit card I did want.","date_sent_to_company":"2020-10-07T17:05:42.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"085XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3879488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2020-10-03T15:43:14.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I was unable to find a link on their <em>site</em> to dispute a charge so I sent a message asking where to find that link. Their response : From : Comenity Bank Sent : Saturday, XX/XX/2020, XXXX XXXX  ( ET ) To : You Subject : Re :  Fraud Message ID : XXXX I am with Comenity Capital Bank, <em>which</em> handles everything related to <em>your</em> Mastercard <em>account</em>. This card is issued by Comenity Capital Bank pursuant to a license by Mastercard International Incorporated."],"sub_product":["<em>Store</em> credit card"]},"sort":[11.371728,"3879488"]},{"_index":"complaint-public-v1","_id":"6270174","_score":11.195678,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/2022 i got a post card from class action law suit that my medical insurance had my data stolen and i could file to get money. i did it and XXXX or XXXX i got a prepaid virtual debit card thru XXXX XXXX party called XXXX \n\nsome night i discover on XX/XX/2022 that a charge for the amount of {$99.00} was taken from it and the transaction is listed as XXXX XXXX XXXX XXXX when i XXXX this it came up as 2 things 1. a Restaurant in XXXX XXXX XXXX XXXX XXXX and 2. a Video game. but im still not sure which. \n\neither way i never made this purchase, but i can assume someone was able to use the hard by randomly typing the number or typo. i know this because when i used the card online on XXXX or other sites they dont always check the EXP Date nor the cvv nor the name to use them just the 16 card number so who ever stole the {$99.00} from me had to have done it that way. even my bank card does this sometimes. \n\ni reached out to customer service which was not easy told it can take a few days, to restore my money, few weeks after all this i tried to login online and discovered my account was GONE i had to re-make a new account and used the same email i did before and discovered my card was gone from the account i had the old email i used to make the account used that to restore the old debit card and Discovered the {$1.00} that was left on the balance was missing and no transactions of it being used since the card was locked. \n\nevery few weeks i get a email from XXXX tilling me EMAIL START : Communication Update Hello, This email is in reference to your dispute Case ( REDACTED ) We are still actively working with the merchant ( s ) to resolve your dispute. Due to the card network rules we must allow merchant ( s ) a specific period of time to respond to the investigation we have opened on your behalf. \n\n\n\nAs a reminder we must allow merchant ( s ) a period of time to respond to our requests. This process can take 30-90 days to complete from the date we received all of the requested documentation from you, but most have a resolution within 30-60 days. \n\n\n\nA resolution will be provided to you as soon as the investigation is completed via email to your email address on file. \n\n\n\nWe appreciate your business and value you as a customer. \n\n\n\nSincerely, Cardholder Dispute Services : EMAIL END it's been over 82 days XX/XX/XXXX XX/XX/2022 since this happen and still no {$99.00} reimbursement let alone the missing {$1.00} i am starting to think i am being strung along and they are hoping i forget all about this and let it ago. \n\ni want the CFPB to find out whats taking so long and why i am still missing the money. \n\ni have been seeing on tiktok for 2 months now so many scams going on with other banks letting scammers steal peoples money and tilling there customers oh well and pretend there is nothing that can be done i dont want to be that person. \n\nif you go on XXXX type in mastercard prepaid cards even visa and look at the reviews you will see so many reviews of peoples money just vanishing from there account. \n\ni even see so many videos on tiktok of local store scams were scammers place printed barcodes over real barcodes so you load money onto the scams card NOT yours. \n\nsomething needs to be done its XXXX  and we are still getting scammed.","date_sent_to_company":"2022-12-03T01:06:58.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"932XX","tags":null,"has_narrative":true,"complaint_id":"6270174","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Blackhawk Network Holdings Inc.","date_received":"2022-12-03T00:43:09.000Z","state":"CA","company_public_response":null,"sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["i reached out to customer service <em>which</em> was not easy told it can take a few days, to restore my money, few weeks after all this i tried to login online and discovered my <em>account</em> was GONE i had to re-make a new <em>account</em> and used the same email i did before and discovered my card was gone from the <em>account</em> i had the old email i used to make the <em>account</em> used that to restore the old debit card and Discovered the {$1.00} that was left on the balance was missing and no transactions of it being used since"],"issue":["Problem getting a card or closing an <em>account</em>"]},"sort":[11.195678,"6270174"]},{"_index":"complaint-public-v1","_id":"4078934","_score":11.084461,"_source":{"product":"Checking or savings account","complaint_what_happened":"To whom it may concern, I am reaching out for the second time, in regards to fraudulent activities that transpired on XX/XX/XXXX, with my bank accounts. \n\nThe first attempt for help was denied. One of the companies involved, XXXX XXXX, misunderstood the whole situation that took place that lead to the hacking of my accounts with Navy Federal Credit Union. \n\nI will explain again what happened on Friday, XX/XX/XXXX. \n\nAt approximately XXXX, ( NFCU : A Transaction for {$18.00} was approved on debit card XXXX by XXXX XXXX XXXX at ay XXXXEST on XX/XX/XXXX Txt stop to opt out ). \n\nI was home sick from work resting when I received the text from Navy Federal credit Union, alerting me that a purchase was just approved at XXXX XXXX XXXX XXXX with my debit card. Clearly, I could not be shopping because I was home sick. \n\nI immediately called my financial institution, Navy Federal credit Union, to dispute the purchase. Upon speaking with the customer service rep, I explained what had just happened. The customer rep explained to me that because the purchase did not come straight through my account, and it was a third party purchase that XXXX XXXX had sent it through, I would have to contact XXXX XXXX. \n\nAt that time, I looked up the XXXX XXXX official site to contact them. I called the number, a customer service rep answered the phone, and asked, how may he help me? I explained what had happened with my account and explained that there may be some unauthorized purchases on my account ( for the record when you make purchases through XXXX XXXX, your bank card is attached to your XXXX XXXX account ). \n\nXXXX, the receptionist, looked up my account and stated that yes, there looks like some fraudulent activity has been going on. He stated some purchases amounts to me and stated that at this time, we will need to secure your account and your funds and investigate what is going on. \n\nHe stated that we will need to secure your money in a safe secure place, until we research the hacker, because they are still out there hacking my account. He then had me load some apps through the app store on my phone in order to protect my accounts. ( I later found out that these were remote apps that allowed him to come in and see my phone and all of my personal information. ) Navy Federal told me that, later, after I called them that night to report that I believe that identify had been stolen. \n\nAfter the apps were down loaded, XXXX had me open up my debit card activity that was connected to the XXXX XXXX account. At that point, he began browsing through my accounts, claiming to be searching for fraudulent activities. Sadly, all of my accounts were visual during this period of time. He then said again that the hacker is still out there \" If your phone rings do not answer, or it will disrupt the flow of things and we would hate to start the process all over ''. \n\nI continued to stay on the phone with him. He then said again that \" we need to protect your money ''. He then asked me if I had a money transfer accounts. I told him that I only have cash app. He said great! we can transfer your money there for the meanwhile while we get your XXXX XXXX account straight. He clicked on my XXXX XXXX, he then typed in messages to cash app, in order for XXXX XXXX to allow access to my XXXX XXXX account. In addition, He asked XXXX XXXX to change my password, the text was sent to my phone and he accepted it because he was able to operate my phone with the app that he installed. \n\nHe then went back to my navy federal account and started moving money around from one account to another, then he moved the money to the cash app account, then typed in some information, and told me that it was his supervisor, and he needed to inform her on what was going on. Come to find later, he was sending the money to an account in which he cashed out all of my money from all of my accounts. XXXX was doing so much and so fast, I could not keep up. I did say to him that I am not sure why this is necessary. He said mam, if you want to save the rest of your money, in your account these steps are very necessary, we have to do this, he said he moved all of my money to the XXXX XXXX, even from the joint account that I shared with my son. At that time, my phone beeped, it was my son. XXXX said don't answer the phone, the process will be lost by that time, I became frantic. My son sent me a text and said what is going on I am trying to pay a bill and my money is disappearing out of my account as we speak? I texted him back and told him that I was compromised, and that I was on the phone with XXXX XXXX trying to straightened things out. He told me to hang up the phone, he said that I was being hacked right now. I hung up from XXXX immediately. He continued to call back time after time and again. I did not answer. \n\nI then called XXXX XXXX back to explain what I had just experienced. Unfortunately, the agent said, because this was a third party situation, I could not file a claim. They said that they do not support XXXX XXXX. \n\nThe amounts taken from all of my accounts total were approximately {$2900.00}. \n\nI did file a claim file a claim with XXXX XXXX and they told me that the transfers were legitimate, and they could not help me. \n\nI am attaching some pics that may help my verification of the monies being transfers, and the impression that it was being security safe temporarily.","date_sent_to_company":"2021-01-19T23:20:45.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"237XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4078934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-01-19T22:32:46.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["He stated some purchases amounts to me and stated that at this time, we will need to secure <em>your</em> <em>account</em> and <em>your</em> funds and investigate <em>what</em> is going on. \n\nHe stated that we will need to secure <em>your</em> money in a safe secure place, until we research the hacker, because they are still out there hacking my <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"]},"sort":[11.084461,"4078934"]},{"_index":"complaint-public-v1","_id":"2152508","_score":11.076506,"_source":{"product":"Prepaid card","complaint_what_happened":"Unable to open an account. \n\nI purchased an American Express Blue Bird pre-pay debit card at XXXX, paid {$5.00} for the card, and loaded {$5.00} onto the card, with the intent of having the company send me a Permanent Card. The paperwork with the card says to register at XXXX I followed the directions and went to that site, entered all of my personal information, including my social security number. Each time I did this process, the page would respond slightly different, and sometimes would prompt me with verification questions relating to my vehicles, which looks like a normal verification process. \n\nI updated my web browser, thinking that maybe it needed a newer version of firefox. That did not improve anything. I tried several different combinations of the information. Sometimes it would prompt me to confirm a slight variation of my address, using N instead of north. \n\nNo matter what I did, I always ended up at the Unable to Sign Up message. \" Sorry, we are unable to approve you for an Account at this time.Thank you for your interest in Bluebird. '' There was no reason given. Further, there was no customer service number given to call to resolve the issue. I tried to call the number on the back of the card, and it stated that I MUST use the online process to activate and that customer service can not do this process. \n\nDuring this process, while it may be encrypted, I sent my social security number, name, and birth date, at least 20 times across the internet. Most companies will prompt the user with an error message, such as \" please verify your \" XXXX '' is the correct information, if something is a typographical error. At one point I had wondered if I typed the birth date year with XXXX digits or XXXX. One of the questions it asked me about a vehicle was something I was uncertain of. I had a XXXX Buick, but I was not sure if it was a \" custom '' or not ... I presume they use a list of VIN numbers for that system, but manufacturers do n't always have the right VIN numbers attached to extensions of the car name. That could have caused confusion. I wonder where they get this from anyway, since I have opted out of the DMV in Wisconsin. \n\nRegardless, I have tried fruitlessly to have them send me a permanent card with my name on it that i can reload, and as far as I can find, there is no way to call them. \n\nSo, I have spent {$5.00} for a worthless card, and have {$5.00} on a card ... .it cost me {$5.00} to put {$5.00} on a card, that I was supposed to be able to use as a reload product that I could use with XXXX , XXXX XXXX etc to buy stuff online. \n\nI have a XXXX card that works fine, though they have a software glitch that presumes that you bought a temporary card at the store, and then they were to send you a card. When you have them send you a temporary card in the mail, the system thinks you have been sent a permanent card, and it will not send you a permanent card, which is corrected by calling them and explaining the problem. \n\nBut with Bluebird by American Express, I can not get a card that I can use as a re loadable debit card.","date_sent_to_company":"2016-10-13T14:58:16.000Z","issue":"Managing, opening, or closing account","sub_product":"General purpose card","zip_code":"549XX","tags":null,"has_narrative":true,"complaint_id":"2152508","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2016-10-08T21:06:58.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["No matter <em>what</em> I did, I always ended up at the Unable to Sign Up message. \" Sorry, we are unable to approve you for an <em>Account</em> at this time.Thank you for <em>your</em> interest in Bluebird. '' There was no reason given. Further, there was no customer service number given to call to resolve the issue. I tried to call the number on the back of the card, and it stated that I MUST use the online process to activate and that customer service can not do this process."],"issue":["Managing, opening, or closing <em>account</em>"]},"sort":[11.076506,"2152508"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":92,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":92}]}},"product":{"doc_count":92,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":18,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Store credit card","doc_count":9},{"key":"General-purpose credit card or charge card","doc_count":7},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Government benefit card","doc_count":1}]}},{"key":"Checking or savings account","doc_count":15,"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":4},{"key":"Savings account","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":11},{"key":"Credit repair services","doc_count":1}]}},{"key":"Credit card","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Store credit card","doc_count":4},{"key":"General-purpose credit card or charge card","doc_count":3}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":4},{"key":"Domestic (US) money transfer","doc_count":2},{"key":"Money order, traveler's check or cashier's check","doc_count":1}]}},{"key":"Prepaid card","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":3},{"key":"General purpose card","doc_count":1},{"key":"Government benefit card","doc_count":1},{"key":"Payroll card","doc_count":1}]}},{"key":"Debt collection","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":2},{"key":"Credit card","doc_count":1},{"key":"Mortgage debt","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Mortgage","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":3},{"key":"FHA mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":2},{"key":"Loan","doc_count":2}]}},{"key":"Consumer Loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}},{"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":"Personal line of credit","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1}]}}]}},"issue":{"doc_count":92,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":5},{"key":"Problem using a debit or ATM card","doc_count":4},{"key":"Fee problem","doc_count":2},{"key":"Problem accessing account","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":11,"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":10},{"key":"Card was charged for something you did not purchase with the card","doc_count":1}]}},{"key":"Fraud or scam","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":5},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Old information reappears or never goes away","doc_count":3},{"key":"Account information incorrect","doc_count":2}]}},{"key":"Improper use of your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":4}]}},{"key":"Fees or interest","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":2},{"key":"Charged too much interest","doc_count":1}]}},{"key":"Problem when making payments","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":3}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3,"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":"Trouble using the card","doc_count":3,"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":3}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":1},{"key":"Didn't receive advertised or promotional terms","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1},{"key":"Debt was result of identity theft","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":"Privacy issues","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Bounced checks or returned payments","doc_count":1},{"key":"Overdrafts and overdraft fees","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1},{"key":"Charged for a purchase or transfer you did not make with the card","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":"Struggling to pay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":1}]}},{"key":"Written notification about debt","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":2}]}},{"key":"Advertising and marketing","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":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't close your account","doc_count":1}]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":1}]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened as result of identity theft or fraud","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":"Changes in terms mid-deal or after closing","doc_count":1}]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing the line of credit","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing, opening, or closing 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","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other fee","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 getting a card or closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","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":"Problem extending the lease","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":92,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":91},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":92,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":66},{"key":"Closed with monetary relief","doc_count":17},{"key":"Closed with non-monetary relief","doc_count":8},{"key":"Closed","doc_count":1}]}},"submitted_via":{"doc_count":92,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":92}]}},"company":{"doc_count":92,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CITIBANK, N.A.","doc_count":11},{"key":"Bread Financial Holdings, Inc.","doc_count":10},{"key":"EQUIFAX, INC.","doc_count":7},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":7},{"key":"JPMORGAN CHASE & CO.","doc_count":6},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":4},{"key":"WELLS FARGO & COMPANY","doc_count":4},{"key":"AMERICAN EXPRESS COMPANY","doc_count":3},{"key":"Blackhawk Network Holdings Inc.","doc_count":3},{"key":"Coinbase, Inc.","doc_count":3},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":2},{"key":"Block, Inc.","doc_count":2},{"key":"Comerica","doc_count":2},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"SYNCHRONY FINANCIAL","doc_count":2},{"key":"Atlanticus Services Corporation","doc_count":1},{"key":"BB&T CORPORATION","doc_count":1},{"key":"COMMERCE BANK","doc_count":1},{"key":"Capital Markets Cooporative, LLC","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"Credit Karma, LLC","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"First Data Corporation","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"LD Holdings Group, LLC","doc_count":1},{"key":"Mercedes Benz Financial Services","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"One Technologies, LP","doc_count":1},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"Reliable Credit Association, Inc.","doc_count":1},{"key":"Security National Financial Corp","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"U.S. BANCORP","doc_count":1},{"key":"WLCC","doc_count":1}]}},"state":{"doc_count":92,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":11},{"key":"GA","doc_count":8},{"key":"AZ","doc_count":7},{"key":"NY","doc_count":7},{"key":"TX","doc_count":6},{"key":"FL","doc_count":5},{"key":"OH","doc_count":5},{"key":"HI","doc_count":4},{"key":"AL","doc_count":3},{"key":"CO","doc_count":3},{"key":"IL","doc_count":3},{"key":"NJ","doc_count":3},{"key":"OR","doc_count":3},{"key":"WI","doc_count":3},{"key":"MO","doc_count":2},{"key":"NC","doc_count":2},{"key":"NV","doc_count":2},{"key":"VA","doc_count":2},{"key":"DC","doc_count":1},{"key":"DE","doc_count":1},{"key":"KY","doc_count":1},{"key":"MA","doc_count":1},{"key":"MD","doc_count":1},{"key":"MN","doc_count":1},{"key":"MT","doc_count":1},{"key":"NM","doc_count":1},{"key":"PA","doc_count":1},{"key":"TN","doc_count":1},{"key":"WA","doc_count":1},{"key":"WV","doc_count":1}]}},"company_public_response":{"doc_count":92,"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":4},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":1},{"key":"Company chooses not to provide a public response","doc_count":1},{"key":"Company disputes the facts presented in the complaint","doc_count":1}]}},"tags":{"doc_count":92,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":12},{"key":"Servicemember","doc_count":9},{"key":"Older American, Servicemember","doc_count":3}]}}},"_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":[11.076718,"2152508"],"3":[8.909062,"2774530"],"4":[5.8712864,"6312060"]}}}