{"total":50,"complaints":[{"id":18287,"cfpb_id":"21298143","date_received":"2026-04-16T12:00:00-05:00","product":"Checking or savings account","sub_product":"Other banking product or service","issue":"Managing an account","sub_issue":"Problem using a debit or ATM card","complaint_narrative":"I am submitting this complaint regarding USAA XXXX XXXX Banks handling of multiple debit card disputes totaling {$6500.00} related to a travel package purchased through XXXX XXXX XXXX ( merchant : XXXX * XXXX XXXX ). \n\n\n\nThese transactions include : {$510.00} ( initial deposit ) {$2900.00} {$2900.00} All charges are tied to a single bundled travel contract that was materially misrepresented and partially not fulfilled. \n\n\n\nSpecifically, the package included services such as daily breakfast and coordinated travel experiences. However, upon arrival, breakfast was denied on multiple days, and the hotel confirmed that breakfast was not included in the rate, contradicting the package terms. Additional elements of the experience were also inconsistent with what was represented at the time of purchase, resulting in a loss of value of the overall package. \n\n\n\nI filed disputes with USAA for these transactions based on partial failure of performance and services not rendered as described. I provided supporting documentation, including correspondence and confirmation from the hotel regarding the breakfast issue. \n\n\n\nUSAA denied the disputes, stating that no error occurred. I then submitted a detailed reconsideration packet with additional documentation and escalated the matter, including contacting the Office of the CEO. I also sent a formal written notice outlining procedural deficiencies in the investigation. \n\n\n\nDespite this, USAA has maintained its position and has refused to reopen or further escalate the disputes, stating that the matter was reviewed in its entirety. \n\n\n\nMy concern is not only with the outcome, but with the adequacy of the investigation. It appears that USAA relied primarily on the merchants position and did not fully evaluate the consumer-provided evidence demonstrating that contracted services were not provided as described. This includes documented confirmation that key components of the package were not delivered. \n\n\n\nAdditionally, I am aware of another traveler on the same trip, XXXX XXXX, who experienced similar issues related to services not being provided as described and who filed a dispute with her financial institution, which resulted in a finding in her favor. While each case is evaluated individually, this further supports that the issues encountered were not isolated and reflect a broader failure in the services provided. I can provide a statement or additional corroboration if needed. \n\n\n\nGiven that these transactions were part of a single bundled contract and that material portions of the services were not provided, I believe this constitutes a valid dispute under Regulation E, and that the investigation did not adequately assess the evidence of partial non-performance and loss of value.\n\nI am requesting that USAA conduct a proper review of the dispute that fully considers the supporting documentation and the nature of the service failures, and that appropriate corrective action be taken.","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","company_response":"Closed with explanation","state":"NC","zip":"27284","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-16T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":18078,"cfpb_id":"21309370","date_received":"2026-04-16T12:00:00-05:00","product":"Money transfer, virtual currency, or money service","sub_product":"Domestic (US) money transfer","issue":"Fraud or scam","sub_issue":null,"complaint_narrative":"Between XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, I sent a total of {$4200.00} via XXXX in five transactions to XXXX XXXX for lodging accommodations advertised under XXXX XXXX XXXX XXXX XXXX. \n\nThe payment was made for travel services scheduled for a group trip. Less than three weeks prior to departure, the recipient cancelled the trip and did not provide the agreed-upon services or issue any refund. \n\nI contacted my bank to dispute the transactions as fraud/misrepresentation due to non-delivery of services. I provided supporting documentation, including traveler statements and proof of payment, and an official police report confirming an active investigation. \n\nThe bank denied my claim, stating that the transactions were authorized under XXXX terms and conditions without doing a thorough investigation. However, the transactions were obtained under false pretenses and were not properly investigated as fraud. \n\nI am requesting a thorough review of this matter as a fraudulent misrepresentation case and reconsideration of the denial.","company":"NEW YORK COMMUNITY BANCORP INC","company_response":"Closed with explanation","state":"MI","zip":"483XX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-16T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":9577,"cfpb_id":"21305172","date_received":"2026-04-16T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement","complaint_narrative":"Subject : Credit Card Billing Error Travel Package Denied by Bank, Funds Released, XXXX XXXX XXXX XXXX : Citibank Case no. XXXX Product : Credit Card Issue Type : Billing error / Refund not received Complaint Narrative : On XX/XX/year>, I purchased a travel package through XXXX that included airfare, hotel, and a rental car. \nCitibank denied confirmation of the transaction ; however, despite denying the purchase, Citibank still released the funds to XXXX. Because the bank did not allow the package purchase to properly complete, XXXX refunded the hotel and rental car portions of the package. \nThe airline portion of the package was issued by XXXX XXXX. XXXX XXXX received the airfare funds and has refused to return them, even though the package purchase was not successfully completed due to the banks denial. As a result, I was left without valid airline tickets and without a refund for the airfare. \nAt a later point, a refund for the airfare was issued and briefly appeared on my Citibank account, but the credit was subsequently removed without explanation. The refund has never been permanently restored. \nI have filed two formal disputes with Citibank regarding this matter. Both disputes were denied, and I was not provided with a clear or valid explanation as to why the disputes were lost, despite the fact that the banks initial denial of the transaction caused the failure of the package purchase.\n\nThis situation exists solely because Citibank denied the purchase while still transmitting funds to the merchant, creating a partial and invalid transaction. I am requesting that Citibank : Permanently apply the airline refund to my account, and Provide a clear written explanation for why the posted refund was removed and why both disputes were denied. \nI have also escalated this matter to XXXX XXXX office and filed a complaint with the Office of the Comptroller of the Currency ( OCC ), but the issue remains unresolved.\n\nI am requesting CFPB assistance to ensure this billing error is properly investigated and corrected. \nSincerely, XXXX XXXX","company":"CITIBANK, N.A.","company_response":"Closed with explanation","state":"CA","zip":"92083","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-16T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":20052,"cfpb_id":"21282286","date_received":"2026-04-15T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Other features, terms, or problems","sub_issue":"Other problem","complaint_narrative":"On XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX reimbursed me for a canceled trip via my credit card ; - {$10000.00} credit was posted. The travel agency had explained to me that it was their process and that the credit card company would mail me a check. Instead, the credit card company used that money daily to bring my credit balance to {$0.00}. Please note that I usually pay my balance in full every month and that my FICO score is XXXX. Furthermore, payment for the balance on my card is not due until XX/XX/year>. Realizing that the credit card company was continuing to use my money, I called customer service on XX/XX/year> to inquire. I was told that the company does not reimburse merchants credit unless requested. I never received any communication from the credit card company to this effect considering the large amount. Customer service then initiated the refund process. I explained that I needed that money to pay my taxes by the XXXX. I was told that it would take 2 to 5 business days. Yesterday, on XX/XX/year>, I spoke to XXXX via XXXX. She wrote : '' Credit Balance Refund has been initiated, further review and approval is required. Approval period varies and could take several business days depending on the reason for refunds. Expect refund 3-5 business days after approval. \". Please note that the credit card company NEVER allows you to pay more than your credit balance! I am reporting this as a COMPLAINT. Citibank ( XXXX ) has been using my money for 15 days now ; my credit balance has dwindle to - {$5400.00}. I find this dishonest and taking advantage of customers. I hope justice will be done.","company":"CITIBANK, N.A.","company_response":"Closed with monetary relief","state":"FL","zip":"XXXXX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-15T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":15147,"cfpb_id":"21269208","date_received":"2026-04-15T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Trouble using your card","sub_issue":"Can't use card to make purchases","complaint_narrative":"U.S. Bank charged a {$400.00} annual fee for my XXXX XXXX card but failed to provide access to the account from XX/XX/XXXX to XX/XX/XXXX, due to a technical lockout. During this XXXX period, I made multiple attempts and spent hours speaking with U.S. Bank representatives and supervisors in different departmentsfrom Member Services to Online Servicesto resolve the issue, but they could not restore access until today, XX/XX/XXXX. \n\nCrucially, as of XX/XX/XXXX, U.S. Bank changed its policy so that the {$320.00} annual travel credit can only be earned on purchases made directly through the U.S. Bank XXXX XXXX. Because my account was XXXX and I was barred from accessing the portal for nearly XXXX months, I was physically blocked from the only mechanism available to claim the credit I paid for. \n\nBecause of this lockout, I suffered the following losses : XXXX. XXXX of XXXX XXXX : My {$320.00} annual travel credit expired on XX/XX/XXXX, while I was still barred from the travel portal. \n\nXXXX. Loss of Access : I was unable to use my points, portal benefits, or mobile wallet features for nearly 40 % of the membership year.\n\nI spoke with multiple representatives and supervisors today, but they stated they do not have an option to refund the membership fee. Furthermore, they informed me that U.S. Bank no longer prov\nides a secure messaging system for digital complaints and refused to provide an email for the Executive Communications office.\n\nI am requesting a full refund of the {$400.00} fee for the XXXX period. The bank 's technical failure and subsequent policy change created a situation where I was charged for a service that the bank made it impossible for me to use","company":"U.S. BANCORP","company_response":"Closed with explanation","state":"CA","zip":"94401","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-15T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":25103,"cfpb_id":"21238592","date_received":"2026-04-14T12:00:00-05:00","product":"Checking or savings account","sub_product":"Checking account","issue":"Managing an account","sub_issue":"Problem using a debit or ATM card","complaint_narrative":"Subject : Formal Complaint Unauthorized ATM Withdrawal and Inadequate Fraud Investigation by Wells Fargo Dear Sir/Madam, I am submitting a formal complaint against Wells Fargo for denying my claim for an unauthorized {$200.00} ATM withdrawal. \n\nOn XX/XX/year>, multiple unauthorized transactions occurred on my account. Wells Fargo acknowledged and refunded several fraudulent online transactions that occurred during this same time period, confirming that my account had been compromised. However, they denied my claim for a {$200.00} ATM withdrawal in XXXX, California. \n\nI reside in XXXX XXXX XXXX, and at the time of the transaction, I was in XXXX XXXX. Travel to XXXX, California, would require approximately XXXX hours during peak traffic. I did not authorize, perform, or have any knowledge of this ATM withdrawal. \n\nWells Fargo denied my claim based on the following reasons : -The card was in my possession -No PIN change occurred -The transaction was chip-verified -No evidence of card counterfeiting -The transaction occurred within a local/geographic area These justifications do not establish that I personally conducted the transaction. They merely describe general conditions of the account and do not constitute proof of authorization. Notably, the bank has failed to provide critical evidence, including : -ATM surveillance footage -Exact ATM location and terminal identification -Any photographic or identity verification tied to the transaction Given that Wells Fargo already confirmed fraudulent activity on my account during the same timeframe, it is inconsistent and unreasonable to isolate this ATM withdrawal as legitimate without clear supporting evidence. \n\nAdditionally, Wells Fargo failed to notify me promptly of suspicious activity, which could have prevented further unauthorized use of my account. \n\nI am requesting the following : -A full reinvestigation of the denied claim -Provision of all evidence used to determine that the ATM withdrawal was authorized -Reimbursement of the {$200.00} unauthorized withdrawal -A review of XXXX XXXX fraud detection and notification procedures I believe that allowing this denial to stand would not only result in personal financial loss but also set a concerning precedent regarding consumer protection and accountability. \n\nI have attached documentation, including : -Wells Fargos denial letter -Records of the unauthorized transactions that were refunded -Account statements showing the pattern of fraudulent activity I respectfully request your assistance in reviewing this matter and ensuring an appropriate resolution. \n\nThank you for your time and consideration. \n\nRespectfully, XXXX XXXX XXXX XXXX XXXX, California","company":"WELLS FARGO & COMPANY","company_response":"Closed with monetary relief","state":"CA","zip":"90068","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-14T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":23061,"cfpb_id":"21242083","date_received":"2026-04-14T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Card was charged for something you did not purchase with the card","complaint_narrative":"To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized charges on my XXXX credit card account and the companys refusal to properly investigate or resolve my dispute. On XX/XX/year>, while traveling in XXXX, I lost my wallet. At the time, I was unsure which specific cards were in my possession, as I do not always carry all of my credit cards when traveling. Later that evening, I logged into my financial accounts to check for any suspicious activity. At that time, there were no transactions on the card in question, leading me to believe that either I had not brought that card with me or that my wallet may have been recovered. After returning home from my trip, during which I experienced a stressful situation in XXXX XXXX, I realized that my XXXX credit card was not in my possession. Upon reviewing my account again, I discovered unauthorized charges had been made. I immediately reported the card as lost/stolen and provided XXXX with all relevant details. Because I do not frequently use this credit card, I did not immediately notice that the charges remained on my account. After several weeks, I contacted XXXX and was informed that they could not provide details but that a letter had been sent to me. I had not received any such correspondence at that time, and they stated they would resend it. \nUpon receiving the letter, I was informed that my dispute had been denied. XXXX claimed this decision was based on alleged login activity and that I had opened an email containing transaction information. This claim is inaccurateI did not review any such email, nor did I authorize these transactions. I contacted XXXX again to explain the situation, but I was told that without new physical evidence, they would not reopen the dispute and that I should have locked my card sooner. I requested to speak with a supervisor, but I was told none were available and that I would receive a callback, which has not yet occurred. I find this response unacceptable. I reported the fraud as soon as I became aware of the unauthorized charges, and I should not be held liable for transactions I did not authorize.\n\nI am requesting the following : Immediate removal of all unauthorized transactions from my account. As well as assurance that my consumer rights under federal law are being upheld. I appreciate your assistance in resolving this matter.","company":"Atlanticus Services Corporation","company_response":"Closed with monetary relief","state":"CO","zip":"80022","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-14T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":17260,"cfpb_id":"21232483","date_received":"2026-04-14T12:00:00-05:00","product":"Money transfer, virtual currency, or money service","sub_product":"Mobile or digital wallet","issue":"Fraud or scam","sub_issue":null,"complaint_narrative":"I am a victim of a long-term romance scam involving XXXX transfers through my bank account. \n\nI met the individual in XXXX  and developed a personal relationship over time, including in-person meetings in XXXX and XXXX XXXX XXXX Based on this relationship, I trusted the individual and sent money upon repeated requests between XXXX  and XXXX  via XXXX. The total amount sent is approximately {$70000.00}. \n\nThe individual used the name XXXX XXXX XXXX also XXXX XXXX ) and provided phone numbers including XXXX and XXXX. He claimed to be based in New York and involved in political and cryptocurrency-related business activities. \n\nThe payment pattern involved occasional repayments to build trust, followed by larger requests for money. In XX/XX/XXXX, the individual claimed his office had been raided due to a cryptocurrency investigation and changed phone numbers. On XX/XX/XXXX, he stated he was traveling to XXXX XXXX to manage assets and has not been reachable since. \n\nI contacted my bank to report this as fraud and requested investigation, recovery options, and tracing of the XXXX transactions. However, I have not received clear information or resolution. \n\nI believe I was deceived into sending these funds under false pretenses and request that the bank fully investigate this fraud, attempt to recover the funds, and take action against the recipient account associated with these transactions.","company":"CITIBANK, N.A.","company_response":"Closed with explanation","state":"IL","zip":"60605","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-14T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":17174,"cfpb_id":"21229685","date_received":"2026-04-14T12:00:00-05:00","product":"Mortgage","sub_product":"FHA mortgage","issue":"Trouble during payment process","sub_issue":"Escrow, taxes, or insurance","complaint_narrative":"We are submitting this complaint against M & T Bank regarding Loan # XXXX for the property at XXXX XXXX XXXX, XXXX, GA XXXX. We have submitted three formal Notices of Error under RESPA 12 C.F.R. 1024.35 and 1024.36, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A Third Notice of Error has been submitted to M & T simultaneously with this complaint. \n\nISSUE 1 MISAPPLICATION OF SHORTAGE PAYMENTS ( {$1200.00} UNACCOUNTED ) Our prior servicer, XXXX XX/XX/XXXX, established a shortage repayment plan of {$130.00} per month beginning XX/XX/XXXX, as part of our payment of {$3200.00}. M & T Bank acquired our loan on XX/XX/XXXX and continued collecting {$770.00} per month as the escrow component which is {$640.00} ( base escrow ) plus {$130.00} ( shortage repayment ), confirmed by M & T 's own ledger. From XXXX through XX/XX/XXXX, M & T collected 9 months of shortage payments totaling {$1200.00}. M & T 's XX/XX/XXXX escrow analysis and their XX/XX/XXXX response contain no accounting of how this {$1200.00} was applied toward the prior XXXX shortage of {$1600.00}. Instead, M & T assessed an entirely new shortage of {$4900.00} without crediting funds already collected. This constitutes misapplication of escrow funds under 1024.35 ( b ) ( 1 ) and ( b ) ( 5 ).\n\nISSUE 2 FALSE TAX INCREASE CLAIM IN ESCROW ANALYSIS M & T 's XX/XX/XXXX response letter states that XXXX taxes are anticipated to increase {$2400.00}. M & T 's own attached XXXX tax bill shows {$5600.00} a decrease of {$0.00} from the XXXX actual of {$5600.00}. This factually false statement materially inflates the projected shortage and violates 1024.35 ( b ) ( 2 ).\n\nISSUE 3 MISSING TRANSFER RECONCILIATION M & T has never provided a servicing transfer reconciliation showing the escrow balance received from XXXX versus the balance posted at onboarding, despite two formal written demands. XXXX 's certified ending balance was + {$300.00}. M & T 's stated opening balance was - {$1000.00}. The {$1300.00} gap has never been explained. This violates 12 C.F.R. 1024.33 ( c ) ( 1 ).\n\nISSUE 4 INADEQUATE RESPONSES TO NOTICES OF ERROR M & T 's responses failed to provide the full escrow ledger with debit/credit designations, transfer reconciliation, cushion calculation worksheet, or corrected escrow analysis, violating 1024.35 ( e ).\n\nWe have paid every mortgage payment in full and on time. The {$470.00} monthly increase effective XX/XX/XXXX is based on an analysis containing documented errors. As of XX/XX/XXXX, we have made five payments at the inflated rate totaling {$2300.00} in excess of our prior payment amount. We request that the CFPB require M & T Bank to : ( 1 ) provide a full accounting of the {$1200.00} collected ; ( 2 ) issue a corrected escrow analysis ; ( 3 ) provide all documentation demanded in our Notices of Error ; and ( 4 ) suspend adverse credit reporting and payment increases pending resolution.","company":"M&T BANK CORPORATION","company_response":"Closed with explanation","state":"GA","zip":"30213","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-14T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":12580,"cfpb_id":"21235355","date_received":"2026-04-14T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Card was charged for something you did not purchase with the card","complaint_narrative":"I am disputing unauthorized XXXX charges on my Barclays AAdvantage credit card. \n\nThere were multiple charges, including duplicate charges for the exact same amount, which I did not authorize and did not use. I reported the transactions promptly after noticing them. \n\nBarclays initially issued a provisional credit, but later reversed it and stated that the charges were valid based on documentation provided by the merchant. However, no actual evidence has been provided to me to support that conclusion. \n\nSpecifically : I have not been provided any booking confirmation in my name I have not been provided any evidence that I used or benefited from the service ( such as check-in or travel records ) I have not been provided any evidence tying the transaction to me ( such as IP address, device, or login activity ) I have not been provided any proof that I authorized the charges beyond the merchants claim I have not used this XXXX  account in years. After contacting Barclays, I was advised to close the XXXX account, which I have done. \n\nI have made multiple attempts to contact Barclays to understand the basis of their decision, but I have been unable to reach anyone who can provide details. I have experienced repeated callbacks and have not received a clear explanation or supporting documentation. \n\nDespite this, Barclays is holding me responsible for these charges. \n\nI am requesting that Barclays : Provide the actual documentation used to determine the charges are valid Explain how duplicate charges for the same amount were determined to be legitimate Reopen the investigation and remove liability for any charges that can not be substantiated as authorized by me I am formally disputing responsibility for these charges and requesting a thorough, evidence-based review as the conclusion provided does not appear to be supported by verifiable evidence.","company":"BARCLAYS BANK DELAWARE","company_response":"Closed with explanation","state":"NC","zip":"27514","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-14T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":7909,"cfpb_id":"21220406","date_received":"2026-04-14T12:00:00-05:00","product":"Checking or savings account","sub_product":"Checking account","issue":"Managing an account","sub_issue":"Problem using a debit or ATM card","complaint_narrative":"Subject : Unauthorized ATM Withdrawals due to Mail Theft and Identity Theft 1. Incident Overview : On the morning of XX/XX/year>, at approximately XXXX XXXX, two unauthorized ATM withdrawals were made from my Citi debit account at a Citibank ATM located on XXXX XXXX, XXXX XXXX. The transactions totaled {$1000.00} ( {$200.00} and {$800.00} respectively ). \n\n2. Physical Impossibility of Authorization : I departed the United States on XX/XX/year>, and remained abroad during the time of the incident. I have official documentation ( Attachments # XXXX XXXX XXXX Travel Record ) proving that I was not physically present in the XXXX when the card was used at the ATM. \n\n3. Mail Theft and Non-Receipt of Card : I never received, possessed, or activated the Citi debit card or the associated PIN mailer. Apartment management has confirmed that these items never arrived in my mailbox. It is evident that the card and PIN were intercepted during the mailing process. \n\n4. Official Reports Filed : To substantiate this claim, I have filed the following official reports : XXXX ( XXXX. XXXX XXXX XXXXe ) Mail Theft Report : Reference # XXXX ( Attachments # 1 Report Mail Theft - XXXX XXXX - XXXX  ) XXXX ( XXXX XXXX Police Department ) Police Report : Case # XXXX ( Attachments # 3 XXXX ) 5. Dispute Status and Legal Basis : I contacted Citi customer service to dispute these charges, but the claim was denied on the grounds that \" a PIN was used. '' This reasoning is flawed as the PIN and card were stolen via mail before they ever reached me. Under Federal Regulation E ( 12 CFR 1005.6 ), I am not liable for unauthorized transactions resulting from a lost or stolen access device that I never accepted or received.","company":"CITIBANK, N.A.","company_response":"Closed with explanation","state":"CA","zip":"90034","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-14T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":4615,"cfpb_id":"21222169","date_received":"2026-04-14T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement","complaint_narrative":"I am filing a complaint regarding Citibanks handling of a billing dispute for a {$2400.00} credit card charge that involved fraud and services not rendered. \n\nOn or about XXXX XXXX, 2025, my Citi credit card was charged {$2400.00} by a merchant identifying as Rich Travels/ Richflights. The merchant falsely represented themselves as an airline booking agent affiliated with XXXX XXXX. Based on that misrepresentation, I authorized the charge, believing an airline ticket would be issued. \nNo airline ticket was ever issued. XXXX XXXX XXXX later confirmed there was only a reservation in my name, not a paid or ticketed flight. When I arrived at the airport on XXXX XXXX, 2025, XXXX confirmed no valid ticket existed, and I was forced to purchase a new ticket out of pocket in order to travel. \n\nThe merchant failed to provide the service that was charged. This transaction therefore, qualifies as both services not rendered and fraud based on misrepresentation and impersonation. \n\nI timely disputed the charge with Citibank and provided extensive documentation, including confirmation from XXXX XXXX that no ticket was issued, correspondence from the merchant, and proof of my replacement airfare purchase. \n\nDespite this evidence, Citibank closed the dispute and marked the case as permanently closed. The dispute was not resolved in accordance with card network rules governing fraud and services not rendered, and I was left financially responsible for a charge tied to a service that was never delivered. \n\nI am requesting that Citibank reopen this case as a fraud and services-not-rendered dispute and issue a permanent credit for the {$2400.00} transaction.","company":"CITIBANK, N.A.","company_response":"Closed with explanation","state":"TX","zip":"77433","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-14T12:00:00-05:00","created_at":"2026-05-08 11:57:32"},{"id":14482,"cfpb_id":"21175582","date_received":"2026-04-12T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Other features, terms, or problems","sub_issue":"Other problem","complaint_narrative":"Company : Surge Mastercard ( Continental Finance / Celtic Bank ) Product : Credit card Issue Type : Fees/ Billing dispute + customer service issues What happened? \n\nI am filing a complaint regarding unexpected annual and monthly maintenance fees charged to my Surge Mastercard ( ending in XXXX ), as well as repeated poor customer service and failure to properly assist me. \n\nI was charged an annual fee of approximately {$100.00} and monthly maintenance fees of {$12.00} that I was not clearly informed about and do not recall knowingly agreeing to with proper disclosure. I also did not receive clear or conspicuous advance notice that these fees would be applied. \n\n\n\nWhat is the problem? \n\nI attempted multiple times to resolve this issue : I called after hours last week and was told nothing could be done and my account could not be canceled. \nI made three calls in one day : First call : waited about XXXX minutes and the representative hung up on me. \nSecond call : I requested a supervisor. I was told none were available on Sunday and was pressured to explain my issue before being offered a callback queue. I explained I work third shift and can not use daytime callbacks. \nThird call : I finally spoke with a supervisor who said nothing could be done because I was four days past the annual fee renewal date. \n\nI explained I had already attempted to resolve the issue earlier and was never properly notified of the fees or when they would begin. I was told I should have been notified when I signed up, but I do not recall receiving clear disclosure or agreeing in a way that made me aware of these charges. \n\n\n\nWhat I want the company to do Reverse the annual fee charged Refund all monthly maintenance fees ( $ XXXX charges ) Provide written proof of when and how I was notified of these fees Review the customer service interactions on my account ( including hang-up and refusal to escalate ) Provide proper escalation access that accommodates my work schedule Additional information I work XXXX XXXX which limits my ability to contact customer service during normal business hours. Callback-only support is not reasonable for my situation. \n\nI feel the billing practices and customer service experience were misleading and unfair. I also feel I was not treated respectfully during multiple attempts to resolve the issue and experienced repeated hang-ups and lack of escalation support. \n\n\n\nAccount details Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Card : Surge Mastercard ending in XXXX","company":"Continental Finance Company, LLC","company_response":"Closed with explanation","state":"OH","zip":"44319","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-12T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":13382,"cfpb_id":"21174104","date_received":"2026-04-12T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Advertising and marketing, including promotional offers","sub_issue":"Didn't receive advertised or promotional terms","complaint_narrative":"I have been a customer since XXXX and accumulated a substantial number of rewards points over several years with the understanding that each point could be redeemed for travel at a value of XXXX cents per point. I intentionally saved these points with the plan to redeem them for travel at that rate. \n\nWhen I attempted to redeem my points in XXXX, I discovered that the redemption value had been reduced to XXXX cent per point as of XX/XX/XXXX. This change significantly reduced the value of the points I had accumulated over time, resulting in an estimated loss of approximately {$1000.00}. \n\nThe issuer states that communications regarding this change were sent. However, I did not receive or see any such notification, and I was not aware of this material change prior to attempting redemption. As a result, I continued to accumulate and hold points under the assumption that the original XXXX cent redemption value still applied. \n\nI relied on the original rewards structure when making spending decisions and when choosing to retain points rather than redeem them earlier. The change in redemption value after years of accumulation materially impacted the value of the program. \n\nI contacted the issuer and escalated the issue, but the only resolution offered was a {$50.00} credit, which does not reasonably reflect the magnitude of the loss. I declined the points at {$50.00} value. \n\nI am requesting a fair adjustment that more appropriately reflects the value of the points as they were reasonably understood and relied upon at the time they were accumulated.","company":"U.S. BANCORP","company_response":"Closed with explanation","state":"CA","zip":"94610","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-12T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":8965,"cfpb_id":"21174115","date_received":"2026-04-12T12:00:00-05:00","product":"Money transfer, virtual currency, or money service","sub_product":"Virtual currency","issue":"Fraud or scam","sub_issue":null,"complaint_narrative":"I am submitting this complaint regarding a cryptocurrency fraud case involving multiple platforms, including XXXX, Kraken, XXXX, XXXX, and XXXX. \n\nBetween XX/XX/year> and XX/XX/year>, I was the victim of a cryptocurrency investment scam followed by a recovery scam. \n\nI was contacted via XXXX and later XXXX. I was instructed to download an application presented as EToro ( XXXX XXXX XXXXXXXX ), which I later discovered was fraudulent. \n\nAll funds originated from my XXXX  XXXX XXXX account and were transferred to XXXX, Kraken, and XXXX, converted into XXXX, and sent to external wallet addresses. \n\nThe wallet addresses include : - XXXX - XXXX Small amounts ( approximately {$100.00} and {$120.00} ) were received prior to larger transfers. After that, I transferred larger amounts of cryptocurrency to the same wallet addresses. \n\nDespite multiple high-value transfers to the same external wallet addresses, no warnings, transaction holds, or risk alerts were applied by the platforms. \n\nXXXX indicated a likelihood of fraud and stated they would cooperate with law enforcement if contacted. \n\nCurrent status : - The case is under mediation with the State Attorney Generals office - An FBI IC3 complaint has been submitted- I have not received follow-up from local law enforcement - Exchanges indicated they will respond to law enforcement requests Case documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that this case be reviewed for issues related to fraud prevention, transaction monitoring, and consumer protection. \nApproximate total transferred from my XXXX XXXX XXXX account and ultimately sent to external wallet addresses : {$130000.00} USD. \n\nBreakdown of transfers : XXXX  : {$10000.00} + {$9900.00} + {$2200.00} + {$10000.00} + {$3900.00} - {$3700.00} Kraken : {$5000.00} + {$2200.00} + {$17000.00} XXXX : {$20000.00} + {$100.00} + {$120.00} + {$3300.00} + {$43000.00} + {$7000.00} + {$7200.00}","company":"Payward Ventures Inc. dba Kraken","company_response":"Closed with explanation","state":"PA","zip":"19135","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-12T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":1032,"cfpb_id":"21167018","date_received":"2026-04-12T12:00:00-05:00","product":"Debt collection","sub_product":"Other debt","issue":"Attempts to collect debt not owed","sub_issue":"Debt is not yours","complaint_narrative":"Few years ago I mase a contract with XXXX XXXX XXXX to help me get out of a timeshare contract out of XXXX XXXX but no service was ever provided. the timeshare company reached out to me last year and cancelled my timeshare after agreeing that I paid them for the paperwork which I did! \nXXXX XXXX DID NOT provided me with no service whats so ever! so, now they hired a collection agency called LCS Financial Services Corp. Centennial COLORADO to collect {$3900.00} .. money I DO NOT OWE THEM!","company":"LCS FINANCIAL SERVICES CORPORATION","company_response":"Closed with explanation","state":"CA","zip":"959XX","timely_response":"No","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-12T12:00:00-05:00","created_at":"2026-05-08 00:50:41"},{"id":900,"cfpb_id":"21167137","date_received":"2026-04-12T12:00:00-05:00","product":"Debt collection","sub_product":"Other debt","issue":"Attempts to collect debt not owed","sub_issue":"Debt is not yours","complaint_narrative":"This collection company called lcs financial services reached to me because XXXX XXXX XXXX sold my debt to them.. I DO NOT OWE this debt because NO SERVICE WAS PROVIDED by XXXX XXXX.. I originally contracted them.to help me get out of a timeshare I adquired out of XXXX XXXX but the timeshare company reached out to me after I REACHED OUT TO THEM WANTING TO CANCEL MY TIMESHARE. they agreed and i paid them an amount for the paperwotk to cancel my timeshare .. this was last year. \nXXXX XXXX  did not provied any service at all for nothing related to my timeshare!!! therfore, I DO NOT OWE THEM ANYTHING!","company":"LCS FINANCIAL SERVICES CORPORATION","company_response":"Closed with explanation","state":"CA","zip":"959XX","timely_response":"No","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-12T12:00:00-05:00","created_at":"2026-05-08 00:50:41"},{"id":18166,"cfpb_id":"21161923","date_received":"2026-04-11T12:00:00-05:00","product":"Debt collection","sub_product":"Other debt","issue":"Attempts to collect debt not owed","sub_issue":"Debt was paid","complaint_narrative":"Subject/Issue Type : Inaccurate information on my consumer report Late payments and repossession-related entries reported incorrectly on a paid-in-full and closed auto loan ; TransUnion failed to conduct a reasonable investigation of my disputes ( FCRA violation ). \n\nI am filing this complaint against TransUnion LLC regarding an inaccurate collection tradeline and negative payment history furnished by XXXX XXXX XXXX that continues to appear on my TransUnion credit report for my closed auto loan ( account XXXX ). \n\nKey Account Details : Account/Furnisher : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor/Lender : XXXX XXXX XXXX Auto Loan Reported as : Auto loan with multiple inaccurate late payments ( XXXX and XXXX delinquencies ), even though payments were made on time ; repossession-related entries stemming from XXXX incident. \nStatus : Paid in full and closed as of XX/XX/XXXX ( original balance {$36000.00}, opened XX/XX/XXXX, XXXX term ). \nFacts of the Case : My auto loan with XXXX XXXX XXXX is paid in full and closed as of XX/XX/XXXX. Despite this, my TransUnion report shows inaccurate negative information, including multiple red XXXX and XXXX late-payment entries ( e.g., XXXX XXXX, several in XXXX, and XXXX XXXX ). \n\nIn XXXX, DATCU repossessed my vehicle due to a reported lapse of insurance. However, the insurance was paid on Friday, and the repossession occurred Friday night or early Saturday morning because DATCUs internal system failed to update appropriately to reflect the timely insurance payment. As a result of this wrongful repossession, I was forced to pay the repossession fee plus over {$5000.00} for recovery of the vehicle. \n\nDATCUs core systems, database, and system timing records failed to properly update the insurance payment and payment status. This does not adhere to the following regulations : FCRA 623 ( a ) ( 1 ) & ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ) Failure to maintain reasonable procedures to assure maximum possible accuracy and furnishing of inaccurate information.\n\nFCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Failure to properly investigate and correct after disputes. \nXXXX Records Preservation Program ( 12 CFR Part 749 ) Records must accurately reflect information and be reconstructible ; system failures preventing timely updates violate this. \nXXXX  Credit Union Record Retention and Preservation ( 7 Tex. Admin. Code 91.405 ) Records must be kept in sufficient detail for examination, audit, and verification ; significant loan/collateral records must be retained XXXX  years with accuracy. \nCFPB UDAAP Authority ( 12 U.S.C. 5531 ) Unfair acts or practices in auto servicing, including wrongful repossessions and inaccurate reporting caused by system breakdowns ( as detailed in CFPB Supervisory Highlights, Fall XXXX and XXXX ). \nI filed multiple disputes with the bureaus, providing details of the full payoff, the XXXX insurance payment timing, the wrongful repossession and recovery costs, and information about DATCUs system failures. TransUnion must properly investigate this dispute as required by the Fair Credit Reporting Act ( FCRA ) 1681i ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation, forwarding of all relevant consumer information to the furnisher, and deletion or correction of inaccurate, incomplete, or unverifiable information ( usually within XXXX  days ). TransUnion must also follow reasonable procedures to assure maximum possible accuracy of information as required by FCRA 1681e ( b ) ( 15 U.S.C. 1681e ( b ) ). \nThis failure aligns with documented FCRA violations by TransUnion, including the XX/XX/XXXX3 CFPB/FTC consent order and {$15.00} XXXX settlement for failing to ensure accuracy in tenant screening reports and inadequate investigation/remediation of known inaccuracies, as well as the {$23.00} XXXX class action settlement ( XXXX XXXX Trans Union XXXX XXXX XXXX for unlawfully failing to investigate disputes or remove challenged inquiries from credit files. It also echoes the pattern in XXXX XXXX TransUnion, where TransUnion was held liable for willful failure to follow reasonable procedures to assure accuracy ( 1681e ( b ) ) and for inadequate handling of disputed information. \n\nHarm Caused : These inaccuracies, combined with the wrongful repossession and associated costs ( repossession fee + over {$5000.00} recovery ), are damaging my credit score and limiting my ability to obtain new credit, loans, or favorable interest rates. The reported late payments and repossession-related entries continue to appear negatively even though the loan is paid in full and closed, and the issues stemmed from DATCUs own internal system failures. \n\nWhat I Want Resolved : Immediate deletion or full correction of the inaccurate late-payment entries and repossession-related information from my TransUnion credit report. \nConfirmation in writing from TransUnion that the items have been permanently removed or corrected and will not be reinserted. \nAny other corrective action required under the Fair Credit Reporting Act ( FCRA ) and related regulations. \n\nI have attached the screenshots from my XXXX  report showing the Paid, Closed status alongside the red late-payment entries and pink warning banner ( the same inaccurate information appears or should be checked on TransUnion ) . I am in the process of locating additional XXXX repo and insurance records and will provide them upon request. \n\nI request that the CFPB investigate this matter and require TransUnion to correct my report. I am available for any additional information needed. \n\nThank you. \nXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","company_response":"Closed with explanation","state":"AR","zip":"72956","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-11T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":21436,"cfpb_id":"21147788","date_received":"2026-04-10T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement","complaint_narrative":"On XX/XX/XXXX, I was charged {$390.00} by a merchant listed as XXXX XXXX. This transaction resulted from a scam in which I was deceived into authorizing payment under false pretenses. \n\nShortly after legitimately booking a XXXX XXXX flight, I received a phone call from a party impersonating a travel agent affiliated with XXXX XXXX. The caller had detailed knowledge of my booking, including my name, flight details, confirmation number, and the last XXXX digits of my credit card. Based on this information, I reasonably believed the request was legitimate. \n\nI was told that an additional payment of {$390.00} was required to finalize the ticket. Relying on this misrepresentation, I authorized the charge and confirmed it via email. No valid airline ticket or service was ever provided. \n\nWithin a short time, I became suspicious and contacted XXXX XXXX directly. They confirmed that the third party was not affiliated with them and that I had been the victim of a scam. I attempted to resolve the issue with the merchant, but they refused to provide a refund and terminated communication. \n\nI reported the issue to Barclays shortly after discovering the fraud. On XX/XX/XXXX, Barclays closed my account due to suspicious activity pending investigation. However, on XX/XX/XXXX, Barclays denied my fraud claim, stating that the transaction was valid because it was authorized. The provisional credit issued during the investigation was reversed. \n\nI then pursued the matter as a billing dispute for services not rendered. Barclays acknowledged the dispute on XX/XX/XXXX but ultimately denied it, stating that it was outside the XXXX dispute window. \n\nI believe this outcome is incorrect. The transaction was authorized under fraudulent misrepresentation, and no services were rendered. This qualifies as a billing error under the Fair Credit Billing Act. Additionally, the dispute timeframe should reasonably be calculated from when I discovered the fraud, not the transaction date. \n\nDespite providing documentation, including email correspondence from the fraudulent party and evidence that no service was delivered, Barclays has declined to reverse the charge.","company":"BARCLAYS BANK DELAWARE","company_response":"Closed with explanation","state":"CA","zip":"949XX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-10T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":16846,"cfpb_id":"21143540","date_received":"2026-04-10T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement","complaint_narrative":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. DT, known as Customer, in this assessment, was verbally informed that a downpayment is required to begin a contract to move items. Customer is informed that the contract must be signed before any items are scheduled to be moved. Customer was verbally advised by XXXX XXXX XXXX XXXX XXXXXXXX, referred to as the Mover in this assessment, that the {$230.00} downpayment would be applied to the final bill. \n2. The contract was an electronic contract that requires every section of the contract to be signed and/or initialed. The electronic contract disappears a short period of time after it is signed and an error message comes on the computer screen that says, Check Back Later when references were made to review the contract. This error message comes on the computer screen each time you try to open it later.\n\n3. Customer is advised, and shown in the contract, that there may be additional charges that may apply. ( e.g. Walking Fee, Heavy Lifting, Stair Fee, etc. ) 4. Contract also states that the Customer must approve the final charges before the mover leaves the move site location. Contract : Customer must approve the moving charges, regardless whether or not the bill has been shown to the customer, or the customer is informed that the Mover will not leave the move site location, and the Customer will continue to accrue manpower charges, per hour, until the final bill is paid.\n\nXXXX. Customer was provided a final bill several days after the final move completion date and was not signed. Citibank Credit Card dispute was opened on XX/XX/year>. \nXXXX. The total final bill is inaccurate ; {$3000.00} and {$230.00} = {$3200.00}, compared to the verbal quote before the movers start work of {$2200.00}. XXXX crew charges per hour of {$170.00} versus being charged at a {$220.00} per hour rate, {$600.00} Stair Fee, Piano Fee, and Tip charge. \na. Downpayment = {$230.00} XXXX. Not returned by Mover ii. Actual charge by Mover was {$220.00} + 5 % processing fee XXXX. XXXX states deposit should be {$170.00} XXXX % processing fee b. XXXX crew overcharge i. \nii. XXXX hrs x {$50.00} = {$370.00} XXXX XXXX XXXX XXXX = {$200.00} d. Overcharged for Stair Fee =? \ne. Overcharged for Piano Fee =? \nf. Total refund requested = ~ {$1200.00} g. Original estimated quote from Mover was {$2200.00} h. Total charges on final move was {$3200.00} 7. Customer is verbally, and via text, informed that if ANY chargebacks are made the company will be forced to take legal action for theft of services. against the Customer.\n\n8. Customer files a dispute with the credit card company for the erroneous charges and mover supplies the credit card company with an avalanche of contract data. Most of the data does not apply to the erroneous charges, but some data is correct. The credit card company becomes overwhelmed by all of the data the Mover submits to the Credit Card Company, the Credit Card Company doesnt complete a full accurate understanding of the data, because of the volume of data submitted by the Mover, and the Credit Card Company approves the charges by the mover because there is too much data to comprehend.\n\n9. Bottom Line : Mover misrepresents contract data versus verbal and actual data that took place. e.g. Mover informed by Customer that the {$200.00} Tip Charge which was requested by mover verbally, was not valid until Customer had a chance to review and approve the final charges. Customer was not provided with the final bill until several days after the move was completed, Customer informed Mover that the Tip charge was NOT allowed. Mover charged the {$200.00} Tip charge anyway.\n\n10.An internet search shows numerous people have filed negative complaints against this provider, like complaints noted in the assessment. There is a definite pattern here that the Mover pushes up the bill, just enough so that the Customer realizes that the cost of a Lawyer is too much to try and recover their loss charged by the Mover. The pattern continues and the Customers only have the internet to voice their displeasure of the Mover.\n\n11. However, I assume, Customers do not want to take the time to file a formal complaint with the Office of the Attorney General | State of Tennessee. This is unfortunate since the State has been extremely helpful for me to file a complaint. The more complaints are filed, the more these unscrupulous businesses will be put out of business.\n\n12. My main issue now is that Citibank has misinterpreted the fraudulent data that was submitted to them by the Mover and the dispute has been closed. Citibank needs to be held accountable for improper disposing of the dispute. If Citibank had properly withheld the portion of the bill from the Mover, this claim would not have been filed.","company":"CITIBANK, N.A.","company_response":"Closed with explanation","state":"AZ","zip":"85351","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-10T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":13511,"cfpb_id":"21123091","date_received":"2026-04-10T12:00:00-05:00","product":"Checking or savings account","sub_product":"Checking account","issue":"Problem with a lender or other company charging your account","sub_issue":"Transaction was not authorized","complaint_narrative":"This dispute involves unauthorized charges totaling {$21000.00} by XXXX XXXX, significantly exceeding the agreed and authorized amount of {$5100.00}. \nThe merchant explicitly confirmed that the account was paid in full as of XX/XX/XXXX ( see Exhibit B ), yet continued to process additional charges thereafter without authorization ( see Exhibit C bank statements ). \nFurther, the merchant admitted that these charges were not valid transactions, describing them as authorization holds, and confirmed that a refund would be issued. To date, no refund has been provided despite repeated follow-ups ( see Exhibit A ). \n\nKey Findings The original and only authorized agreement totaled {$5100.00} The merchant confirmed the account was paid in full on XX/XX/XXXX Charges continued after the paid in full confirmation without authorization The merchant acknowledged the charges were not valid transactions, characterizing them as authorization holds The merchant committed to issuing a refund, which has not been fulfilled Total unauthorized charges escalated to {$21000.00} Timeline Summary XX/XX/XXXX : Initial engagement ; deposit made under a flexible date arrangement XXXX XXXX : No finalized travel dates ; discrepancies and concerns raised with the vendor XX/XX/XXXX : Merchant confirms account is paid in full XX/XX/XXXX : Unauthorized charges totaling {$21000.00} withdrawn from checking account ending in XXXX XX/XX/XXXX : Merchant acknowledges charges as invalid authorization holds and confirms refund will be issued XXXX XXXX : Multiple attempts to resolve with both the vendor and Wells Fargo ; no refund received and the dispute was misclassified and not properly investigated Exhibits Exhibit A : Merchant email acknowledging charges as authorization holds and confirming refund Exhibit B : Merchant confirmation of paid in full status ( XX/XX/XXXX ) Exhibit C : Bank statements documenting charges totaling {$21000.00} Exhibit D : Wells Fargo denial letter stating no discrepancy found Dispute Handling Concern I attempted to resolve this matter through my bank ; however, the dispute was misclassified or not properly classified, as confirmed by a representative, and was not fully investigated. As a result, the claim was denied without a complete evaluation of the submitted evidence.\n\nLegal Basis Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and applicable dispute resolution regulations, this matter constitutes a billing error, including : Charges for goods or services not delivered as agreed Unauthorized charges exceeding the agreed amount Charges processed after the account was confirmed paid in full Additionally : The charges represent a breach of the agreed payment terms, as the authorized total was {$5100.00} No formal contract was provided authorizing additional charges beyond this amount The merchants continued billing after confirming paid in full constitutes material misrepresentation The merchants acknowledgment that the charges were invalid and commitment to refund serves as an admission that the transactions are not legitimate Under applicable card network rules, valid charges require clear authorization and delivery of services as agreed, neither of which has been demonstrated. \nThe burden of proof rests with the merchant to provide evidence of authorization for these charges, which has not been met. \n\nConclusion & Request The evidence clearly establishes : Charges processed without authorization Billing continued after contractual fulfillment ( paid in full ) Merchant admission of invalid charges Failure to honor a confirmed refund commitment Based on these facts, immediate reversal of {$21000.00} is warranted.","company":"WELLS FARGO & COMPANY","company_response":"Closed with explanation","state":"CA","zip":"92064","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-10T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":6242,"cfpb_id":"21136828","date_received":"2026-04-10T12:00:00-05:00","product":"Mortgage","sub_product":"FHA mortgage","issue":"Trouble during payment process","sub_issue":"Payment process","complaint_narrative":"I have had my mortgage with truist for about two years. I have always had direct deposit set up and havent had any issues with that, to my knowledge each payment has been made and taken out of my account on time until XX/XX/year>. A personal financial issue occurred that resulted in me not having the funds to pay until 2 days after the direct deposit usually drew from my account. Immediately after I had the correct funds I logged into my truist account to make sure the payment was made. I must have read the information wrong and thought the amount was paid when it wasnt. My fault. I didnt catch that my XXXX mortgage payment for XXXX wasnt paid until either late XXXX or early XXXX. I then tried to pay for both XXXX and XXXX online fully expecting to have to pay late fee for XXXX. At this point I noticed they had put a hold on my account that wouldnt let me pay electronically and stated I had to make a payment over the phone. I called to make the payment, was told everything went through, was given a confirmation number and when I asked if that will resolve my issue with the online payment issue I was told it will resolve it once the payment processes in a couple of days. I waited a week and watched my account and nothing was taken out so I called again and asked what the issue was, they werent sure and tried again. It didnt work again so I called the next week and got the same, no one knows why it isnt working so I went to my bank and they said they had no issues on our end. I had more than enough to cover the payments for both months each time I attempted and my bank said there were no attempts made to withdraw them from truist. I paid for XXXX and XXXX with a check in person at a truist branch, I was told by then I should have access to the app after that payment processes. At this point Im already frustrated with the amount of attempts Ive had to make for them to finally take my money but am relieved hoping this would resolve the issue. I then waited a week and tried to make my XXXX payment on the app and noticed I am still logged out. So again, I have to call and see what the issue is. I am told there were too many attempts to process the payment without success and am now not allowed to make any kind of electronic or over the phone payments and have to come in person to the branch with a check each month for 6 months. The unprocessed payments were NO fault of mine, nor a result of me not having the funds or trying to complete payments. It isnt right that I should be dealing with this simply because I have tried to pay them multiple times and they wouldnt take them. I travel every week for work and am only home some weekends, there are not many easily accessible truists in every state, this will make it very difficult to complete these in person payments that they now are requiring of me. I explained this to the truist team over the phone twice pleading that they remove the hold and they refused","company":"TRUIST FINANCIAL CORPORATION","company_response":"Closed with non-monetary relief","state":"GA","zip":"30233","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-10T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":25595,"cfpb_id":"21102543","date_received":"2026-04-09T12:00:00-05:00","product":"Mortgage","sub_product":"FHA mortgage","issue":"Struggling to pay mortgage","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","complaint_narrative":"DESCRIPTION OF THE PROBLEM I am a homeowner in XXXX XXXX, Florida with an FHA-insured mortgage loan serviced by M & T Bank on behalf of loan owner XXXX XXXX XXXX XXXX XXXX XXXX My mortgage fell into delinquency beginning with the XX/XX/XXXX payment, following the expiration of a Special Forbearance Unemployment Agreement approved by M & T Bank in XX/XX/XXXX and running through XX/XX/XXXX. After the forbearance ended, my loan remained delinquent. What followed was a pattern of contradictory communications, missed deadlines, and ultimately a same-day deadline letter that prevented me from proceeding with a XXXX XXXX XXXX I had already accepted in writing through no fault of my own. On XX/XX/XXXX, M & T Bank told me my workout assistance request had been removed because I was unemployed and did not meet investor requirements. M & T Bank offered me only a Short Sale or Deed-in-Lieu of Foreclosure options that would result in me losing my home. Just XXXX  days later, on XX/XX/XXXX, M & T Bank reversed course entirely and approved me for a Trial Payment Plan ( TPP ) for a XXXX FHA Loan Modification a home retention option. I responded to this offer in writing before the XX/XX/XXXX deadline. M & T Bank then ignored my written response for nearly XXXX weeks, called me twice asking for an answer as though I had never responded, missed XXXX of its own written promises to respond, and then sent a letter dated XX/XX/XXXX that I received on XX/XX/XXXX the same day as its deadline giving me no meaningful time to make the first trial payment or return a signed attestation form. XX/XX/XXXX, the deadline has passed and I have been unable to proceed through no fault of my own. M & T Bank letter dated XX/XX/XXXX ( attached ) ( received XX/XX/XXXX ) M & T Bank dated a letter removing my workout assistance for the second time in XXXX months stating I 'did not attest that I can afford the mortgage assistance option that was offered. ' M & T Bank is again offering me only a Short Sale or Deed-in-Lieu of Foreclosure, threatening foreclosure if I do not comply. \n\nMy counsel 's letter dated XX/XX/XXXX responding to M & T Bank 's XX/XX/XXXX letter. \nMy counsel 's XX/XX/XXXX conditional acceptance letter this is the document that directly contradicts M & T Bank 's \" did not attest '' claim. My counsel responded to M & T Bank and XXXX XXXX XXXX XXXX XXXX ( confirmed loan owner ) on XX/XX/XXXX via XXXX Mail XXXX M & T Bank 's XX/XX/XXXX letter the letter that arrived on XX/XX/XXXX with a same-day deadline. This letter : XXXX. Formally objects to M & T Bank 's evasive non-responses to substantive legal demands dating back to XX/XX/XXXX. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX on direct written notice that as loan owner it is legally XXXX for M & T Bank 's conduct as its agent including every retaliatory action, every threat of foreclosure, and every refusal to provide legally required disclosures. \nXXXX. Argues that the XX/XX/XXXX Trial Payment Plan deadline can not lawfully stand as it expired while M & T Bank was simultaneously withholding material disclosures and ignoring my counsel 's timely conditional acceptance letter submitted February 10-11, 2026. \nXXXX. Identifies the XXXX  XXXX XXXX insurance payment question as the controlling legal issue none of the account figures or amounts claimed can be accepted until M & T Bank answers under penalty of perjury whether USDA made an insurance payment on this loan. \nXXXX. Formally demands M & T Bank reinstate the Trial Payment Plan, place an immediate collections hold, and instruct foreclosure counsel XXXX XXXX XXXX XXXX XXXX XXXX to refrain from advancing any foreclosure action pending resolution. \nXXXX. Identifies specific statutory remedies available including FDCPA damages up to {$1000.00} per violation, RESPA damages up to {$2000.00} per violation, TILA rescission rights, Florida Statutes XXXX penalties, and common law claims for wrongful foreclosure, slander of title, and unjust enrichment. \n\nM & T Bank dated a letter removing my workout assistance for the second time in XXXX months stating I 'did not attest that I can afford the mortgage assistance option that was offered. ' M & T Bank is again offering me only a Short Sale or Deed-in-Lieu of Foreclosure, threatening foreclosure if I do not comply. \n\nThis statement by M & T Bank is factually incorrect and directly contradicted by the documentary record. My counsel submitted a formal conditional acceptance letter dated XX/XX/XXXX stating \" I hereby conditionally accept the XXXX XXXX XXXX offer letter from bank dated XX/XX/XXXX. ' This letter was submitted by email on XX/XX/XXXX at XXXX XXXX  EST and delivered via XXXX XXXX  on XX/XX/XXXX well before the XX/XX/XXXX acceptance deadline. This conditional acceptance was then resubmitted by email on XX/XX/XXXX at XXXX XXXX  EST and again on XX/XX/XXXX at XXXX XXXX  EST three times in total. \n\nM & T Bank 's claim that I 'did not attest ' is therefore either factually false or reflects M & T Bank XXXX failure to process and acknowledge my counsel 's timely conditional acceptance letter. M & T Bank can not remove my home retention options on the basis of non-attestation when a formal written conditional acceptance was submitted before the deadline and resubmitted twice more. \n\nM & T Bank has now twice in XXXX months XX/XX/XXXX and XX/XX/XXXX removed my home retention options and pushed me toward losing my home, despite my documented good faith efforts to participate in the modification process. My counsel is currently preparing a formal response to the XX/XX/XXXX letter which I will forward to you upon completion. \n\nMy complaint centers on XXXX core problems : M & T Bank sent contradictory communications telling me on XX/XX/XXXX I did not qualify for home retention, then approving me for a modification XXXX  days later creating confusion about my actual options and rights. M & T Bank ignored my timely written XXXX  response for nearly XXXX weeks, then sent a letter with a same-day deadline I could not possibly meet causing me to miss the Trial Payment Plan deadline through no fault of my own. M & T Bank failed to produce complete accounting documentation in response to my Qualified Written Request ( QWR ), including any insurance payments received from XXXX  XXXX XXXX or XXXX. M & T Bank withheld permanent modification terms until the XX/XX/XXXX letter which arrived the same day as the deadline preventing me from making a fully informed decision. M & T Bank 's own correspondence contains an internal contradiction regarding whether it is subject to the Fair Debt Collection Practices Act ( FDCPA ), appearing in every single letter including the XX/XX/XXXX letter. XXXX. KEY DATES AND COMMUNICATIONS XX/XX/XXXX : Original FHA mortgage originated with XXXX Mortgage XXXX XXXX. Principal balance : {$170000.00} at 3.00 % interest. XX/XX/XXXX : FHA XXXX XXXX executed. New principal balance reduced to {$130000.00} at 3.25 % interest, maturity extended to XX/XX/XXXX. XX/XX/XXXX : Loan servicing transferred from XXXX, XXXX XXXX M & T Bank on behalf of XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX : M & T Bank approved XXXX FHA Forbearance Unemployment Agreement {$0.00} monthly payments for 3 months ( XXXX, XXXX, XX/XX/XXXX ). Total delinquency at that time : {$2500.00}. XX/XX/XXXX : M & T Bank sent default notice. XXXX contractually due for the XX/XX/XXXX payment. XX/XX/XXXX M & T Bank removed workout assistance and offered only Short Sale or Deed-in-Lieu : M & T Bank sent a letter stating my workout assistance request had been removed because I was unemployed and did not meet investor requirements for workout assistance. M & T Bank offered me only a Short Sale or Deed-in-Lieu of Foreclosure both options that would result in losing my home. M & T Bank warned that failure to accept would result in foreclosure referral or continuation of foreclosure proceedings. This letter also contained the FDCPA boilerplate : 'M & T Bank may be considered a debt collector. M & T Bank is attempting to collect a debt. ' XX/XX/XXXX : XXXX referred to foreclosure. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, FL ) engaged as M & T Bank 's foreclosure counsel. XX/XX/XXXX : Foreclosure proceedings suspended due to active loss mitigation review. XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX issued Reinstatement Quote : Total reinstatement of {$24000.00} good through XX/XX/XXXX ( Total Payments Due {$19000.00} / Corporate Advance {$1600.00} / Late Charges {$230.00} / Escrow Balance {$2200.00} / Preservation Advance {$90.00} ). XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX issued Payoff Quote : {$150000.00}. Outstanding principal balance : {$130000.00}. XX/XX/XXXX : I submitted a formal Qualified Written Request ( QWR ) under RESPA ( 12 U.S.C. 2605 ( e ) ) and debt validation demand under FDCPA ( 15 U.S.C. 1692g ) via Certified Mail to M & T Bank at multiple addresses. Copies sent to the Florida Attorney General, USDA, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX M & T Bank reverses course and approves XXXX  ( XXXX  days after XX/XX/XXXX letter ) : M & T Bank offered a Trial Payment Plan ( TPP ) for a XXXX FHA XXXX XXXX XXXX payments of {$1700.00} each due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX deadline : XX/XX/XXXX. No permanent modification terms ( interest rate, loan term, or capitalized balance ) were disclosed in this letter. XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX issued updated Payoff Quote : {$150000.00} good through XX/XX/XXXX ( Principal {$130000.00} / Interest {$4800.00} / Attorney Fees {$1600.00} / Late Charges {$230.00} / Escrow {$12000.00} / Pro Rata MIP {$190.00} / Preservation Advance {$120.00} / Corporate Advance {$350.00} ). XX/XX/XXXX at XXXX XXXX  EST : I emailed my TPP response to XXXX with all attachments, before the XX/XX/XXXX deadline. XX/XX/XXXX : My written TPP response arrived via XXXX XXXX XXXX M & T Bank, XXXX XXXX XXXX, XXXX, NY XXXX, before the deadline. FedEx delivery confirmation on file. XX/XX/XXXX : M & T Bank XXXX XXXX XXXX responded to the Florida Attorney General inquiry produced some documents but refused others as 'overbroad. ' Did not acknowledge my XXXX XXXX TPP response XXXX Same letter denied FDCPA applicability while including boilerplate stating M & T Bank 'may be considered a debt collector. ' XX/XX/XXXX : CFPB acknowledged receipt of my prior correspondence but could not take additional action, directing me to submit a formal complaint. XX/XX/XXXX : I sent an XXXX XXXX XXXX M & T Bank by XXXX Mail objecting to their FDCPA position, identifying remaining QWR deficiencies, and formally requesting a XXXX extension of the TPP acceptance deadline. XX/XX/XXXX : M & T Bank called regarding the TPP I did not answer. No written follow-up provided despite having received my written TPP response 22 days earlier. XX/XX/XXXX : M & T Bank sent written acknowledgment confirming : principal balance {$130000.00}, escrow deficiency - {$12000.00}, loan due for XX/XX/XXXX. Did not acknowledge my TPP response. XX/XX/XXXX : M & T Bank called again regarding the TPP I did not answer. No written follow-up provided. XX/XX/XXXX at XXXX XXXX  EST : I returned M & T Bank 's calls. Representative stated the offer would be cancelled for non-response and gave me XXXX email addresses for formal written communication. XX/XX/XXXX at XXXX XXXX  EST : Following M & T Bank 's instructions, I immediately emailed both addresses resending my complete XXXX  response with all attachments. XX/XX/XXXX at XXXX XXXX  EST : M & T Bank auto-acknowledged receipt and promised a response within XXXX business days deadline XX/XX/XXXX. XX/XX/XXXX at XXXX XXXX  EST : I sent a second email resending my XXXX response and all supporting documents. XX/XX/XXXX at XXXX XXXX  EST : M & T Bank auto-acknowledged again. XX/XX/XXXX : M & T Bank missed its own written XXXX deadline. No response received. XX/XX/XXXX at XXXX XXXX  EST : I sent a third follow-up email requesting confirmation the TPP was active. XX/XX/XXXX at XXXX XXXX  EST : M & T Bank auto-acknowledged again, promising a response within XXXX business days new deadline XX/XX/XXXX. XX/XX/XXXX ( received XX/XX/XXXX ) : M & T Bank XXXX XXXX XXXX sent a letter signed by XXXX XXXX, XXXX XXXX XXXX, finally disclosing permanent modification terms and setting a XX/XX/XXXX deadline for both the first TPP payment and signed attestation. Key contents : Permanent modification terms finally disclosed : XXXX term, 6.625 % interest rate, {$23000.00} capitalized arrears. XXXX  payment breakdown : Principal and Interest {$940.00} + Escrow {$790.00} XXXX County {$500.00} / Hazard {$190.00} / Mortgage Insurance {$98.00} ) = Total {$1700.00}. M & T Bank stated first TPP payment AND signed attestation must be received by XX/XX/XXXX or it would result in default of the plan. M & T Bank confirmed successful TPP completion would bring loan current and remove it from foreclosure proceedings. M & T Bank stated USDA documentation is 'not applicable ' with no explanation or evidence. M & T Bank refused to cease adverse credit reporting. Same letter again included FDCPA boilerplate : 'M & T Bank may be considered a debt collector. M & T Bank is attempting to collect a debt. ' XX/XX/XXXX : I received the XX/XX/XXXX letter the same day as the deadline. I was unable to make the {$1700.00} payment or return the signed attestation form in time. XX/XX/XXXX Date of this complaint : The TPP deadline has passed. My loan is at risk of returning to active foreclosure entirely as a result of M & T Bank 's own contradictory communications and failure to acknowledge my timely written TPP response for nearly XXXX weeks. III. SPECIFIC PROBLEMS A. Pattern of Contradictory Communications Causing Confusion and Harm On XX/XX/XXXX, M & T Bank told me I did not qualify for any home retention option and offered me only a Short Sale or Deed-in-Lieu of Foreclosure. Just 53 days later, on XX/XX/XXXX, M & T Bank approved me for a XXXX FHA Loan Modification Trial Payment Plan a complete reversal of its prior position. This contradiction was never explained. Going from 'you do not qualify for home retention ' to 'you are approved for a loan modification ' in 53 days, without explanation, created significant confusion about my rights and the reliability of M & T Bank 's communications throughout this process. B. M & T Bank 's Own Delays Caused Me to Miss the TPP Deadline I submitted my Trial Payment Plan response on time XX/XX/XXXX at XXXX XXXX  EST by email and XX/XX/XXXX by XXXX Overnight. M & T Bank did not acknowledge this response for nearly XXXX weeks. During that time M & T Bank called me twice asking for an answer as though I had never responded, made and missed XXXX written promises to respond within XXXX business days, and then sent a letter on XX/XX/XXXX that arrived on XX/XX/XXXX the same day as its deadline. I had no meaningful opportunity to make a payment or return a signed form before the deadline expired. The missed deadline was caused entirely by M & T Bank 's own failure to process and acknowledge my timely written response. C. Permanent Modification Terms Withheld Until Same-Day Deadline Letter The XX/XX/XXXX TPP offer did not disclose the permanent modification interest rate, loan term, or capitalized balance. I specifically requested these terms in my XX/XX/XXXX XXXX XXXX. M & T Bank did not provide them until the XX/XX/XXXX letter which arrived the same day as the deadline. The terms are significant : a XXXX term ( 40 years ), 6.625 % interest rate, and {$23000.00} in capitalized arrears. I had a right to know these terms before being required to make payments and sign an attestation form. XXXX Incomplete Response to Qualified Written Request The XX/XX/XXXX letter states that USDA documentation is 'not applicable ' but provides no explanation or evidence. My QWR specifically requested documentation of any insurance payments received from XXXX  XXXX XXXX or XXXX and XXXX they were applied. The following critical items remain unanswered : Complete accounting of any insurance claim payment received from XXXX  XXXX XXXX or XXXX, XXXX a copy of USDA XXXX XXXX XXXX, with dates and amounts. XXXX of any such payment with amounts now claimed as arrears. Documentation of whether a Satisfaction of Mortgage was executed and recorded as required by Florida Statutes XXXX. A complete forensic accounting of the loan under XXXX, attested under penalty of perjury by an authorized officer. E. Ongoing FDCPA XXXX XXXX XXXX XXXX XXXX M & T Bank has sent throughout this matter including the XX/XX/XXXX letter, the XX/XX/XXXX letter, and the XX/XX/XXXX letter includes the boilerplate disclosure that M & T Bank 'may be considered a debt collector ' and 'is attempting to collect a debt, ' while M & T Bank simultaneously claims the FDCPA does not apply. This contradiction appears in every piece of correspondence and directly affects my legal rights.","company":"M&T BANK CORPORATION","company_response":"Closed with explanation","state":"FL","zip":"XXXXX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-09T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":23821,"cfpb_id":"21094289","date_received":"2026-04-09T12:00:00-05:00","product":"Checking or savings account","sub_product":"Checking account","issue":"Problem caused by your funds being low","sub_issue":"Overdrafts and overdraft fees","complaint_narrative":"I am a XXXX individual residing in California, subsisting on a limited income, and maintaining a consumer deposit account with Wells Fargo Bank , N.A . ( Account XXXX. XXXX ). The circumstances giving rise to this complaint reflect not merely a dispute over fees, but a pattern of institutional conduct that is demonstrably inconsistent with Wells Fargo 's own written contractual disclosures, its regulatory obligations under federal and California law, and its fundamental duty of fair dealing toward a vulnerable consumer who exercised every available remedy in good faith. As a direct and proximate result of Wells Fargo 's conduct, my account currently carries a negative balance of {$80.00} a financial hardship that has compounded with each passing day that my complaint has remained unresolved. \n\nI. The Assessment of Fees and the Current Negative Account Balance Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, Wells Fargo assessed a series of fees against my account that, in combination with recurring automatic payments, caused my account balance to deteriorate to its current negative position of {$80.00}. The following complete ledger of all charges, credits, and transactions reflects the full financial impact of this matter : Date Type Description Amount XX/XX/XXXX OVERDRAFT FEE Affirm.com automatic payment {$32.00} - {$35.00} XX/XX/XXXX MONTHLY FEE Monthly service fee Everyday Checking - {$15.00} XX/XX/XXXX OVERDRAFT FEE Affirm.com automatic payment {$47.00} ( posted XX/XX/XXXX ) assessed DURING account conversion to Clear Access Banking - {$35.00} XX/XX/XXXX SUBSCRIPTION XXXX XXXX recurring plan - {$17.00} XX/XX/XXXX SUBSCRIPTION XXXX XXXX recurring charge - {$5.00} XX/XX/XXXX MEMBERSHIP XXXX membership fee - {$1.00} XX/XX/XXXX TRANSACTION Affirm.com payment XXXX - {$47.00} XX/XX/XXXX TRANSACTION Affirm.com payment XXXX - {$32.00} XX/XX/XXXX TRANSACTION Purchase authorized XX/XX/XXXX - {$1.00} XX/XX/XXXX REVERSAL Overdraft fee courtesy reversal + {$35.00} XX/XX/XXXX CREDIT Provisional credit XXXX XXXX  claim + {$5.00} XX/XX/XXXX REVERSAL Monthly service fee reversal + {$15.00} TOTAL CHARGED Bank fees + subscriptions + transactions - {$180.00} TOTAL CREDITED All reversals and provisional credits + {$55.00} CURRENT BALANCE Account is currently NEGATIVE as of XX/XX/XXXX - {$80.00} BANK FEES OUTSTANDING Unreversed overdraft fee XX/XX/XXXX primary subject of this complaint - {$35.00} Of the charges reflected above, the fees for which I hold Wells Fargo directly responsible and for which I am seeking relief are the bank-imposed overdraft fees and monthly service fee totaling {$85.00}. Wells Fargo has to date reversed only {$50.00} of that amount, leaving {$35.00} in bank-imposed fees outstanding and unaddressed. The negative account balance of {$80.00} reflects the cumulative impact of those unresolved fees compounded by the recurring automatic payments that continued to post while my account remained in dispute and while Wells Fargo 's representative had falsely informed me that I had no ability to prevent further overdraft charges. \n\nII. My Original Request and What I Was Seeking When I first contacted Wells Fargo on XX/XX/XXXX, I was seeking the reversal of two overdraft fees totaling {$70.00} the XX/XX/XXXX fee of {$35.00} and an additional {$35.00} fee. Wells Fargo granted one {$35.00} courtesy reversal on XX/XX/XXXX, reducing my immediate demand to {$35.00}. However, because Wells Fargo failed to resolve my complaint promptly and because a representative affirmatively misrepresented my rights telling me it was not possible to disable overdraft service when it unequivocally was an additional {$35.00} overdraft fee was assessed on XX/XX/XXXX during my active account conversion. My complaint therefore encompasses not only the original unresolved fee but the institutional conduct that caused additional harm to accumulate while my complaint sat unanswered.\n\nIII. My Initial Escalation Efforts On XX/XX/XXXX, I contacted Wells Fargo 's second-level escalation support and spoke with a representative identified as Char. Despite presenting my account history which reflects only three total overdraft occurrences across the entire life of the account, the most recent of which had preceded this complaint by more than one year my request for full reversal of the outstanding fees was categorically denied. Representative XXXX authorized only a single {$35.00} courtesy reversal, which was credited to my account on XX/XX/XXXX, and declined to reverse the remaining balance. \n\nThat same day, XX/XX/XXXX, I submitted a formal written complaint to Wells Fargo XXXX XXXX XXXX office at XXXX, demanding immediate reversal of all outstanding fees and providing explicit written notice of my intention to escalate this matter to the Consumer Financial Protection Bureau, the California Department of Financial Protection and Innovation, and the Office of the Comptroller of the Currency should the matter remain unresolved. Wells Fargo 's Board Communications office responded exclusively with automated acknowledgment replies on XX/XX/XXXX and again on XX/XX/XXXX providing no substantive engagement with the merits of my complaint whatsoever. \n\nIV. My XXXX Accommodation Request On XX/XX/XXXX, I submitted a follow-up written communication to Wells Fargo XXXX XXXX XXXX XXXX XXXX which I explicitly declined to proceed with a recorded telephone call and formally requested, on the basis of my XXXX, that all future correspondence be provided to me exclusively in writing. I reiterated this accommodation request in my XX/XX/XXXX written communication as well. Wells Fargo failed entirely to honor this request at any point in the course of this dispute, responding instead with automated replies and an unsolicited telephone call that I was compelled to decline. This failure constitutes not merely a breach of customer service protocol, but a violation of my rights under XXXXitle III of the Americans with Disabilities Act, 42 U.S.C. 12101 et seq., and California 's Unruh Civil Rights Act, Civil Code 51 et seq.\n\nV. Wells Fargo 's Formal Acknowledgment and Failure to Resolve On XX/XX/XXXX, Wells Fargo 's Enterprise Complaints Management Office acknowledged my complaint under Case No. XXXX, assigned the matter to XXXX XXXX Representative XXXX XXXX, and expressly committed to providing a substantive written response within XXXX business days of the date of my initial contact. As of the date of this statement XX/XX/XXXX no substantive written resolution has been provided. Wells Fargo has allowed its own self-imposed response deadline to lapse without meaningful action, leaving my complaint unresolved, my rights unaddressed, and my account balance negative. \n\nVI. The Misrepresentation of My Consumer Rights During the course of my communications with Wells Fargo regarding the account conversion, I was affirmatively told by a Wells Fargo representative that it was not possible to disable overdraft coverage on my account. According to my own contemporaneous notes of that conversation, when I specifically requested to have overdraft service turned off so that my account would no longer incur overdraft fees, I was categorically informed by the representative that doing so was not an available option. \n\nThis representation is demonstrably and unequivocally false. Wells Fargo 's own Consumer Account Fee and Information Schedule, its Deposit Account Agreement, and its Important Information About Overdrafts disclosure each of which I have retained expressly state that standard overdraft coverage and Debit Card Overdraft Service are optional services that consumers may remove from their accounts at any time. Moreover, 12 C.F.R. 1005.17, promulgated pursuant to the Electronic Fund Transfer Act, mandates that financial institutions permit consumers to revoke Debit Card Overdraft Service consent at any time without condition. The representative 's categorical denial of a right that is simultaneously guaranteed by federal regulation and by Wells Fargo 's own written contractual disclosures constitutes a deceptive act or practice of the most straightforward variety one that caused me direct and quantifiable financial harm in the form of fees I had every legal right to prevent, and that contributed directly to my account 's current negative balance of {$80.00}.\n\nVII. The Financial Hardship This Has Caused I am a XXXX individual on a limited income. The negative account balance of {$80.00} that I am now carrying is not the result of reckless financial management it is the direct consequence of Wells Fargo 's failure to honor its own written disclosures, its failure to timely resolve my formal complaint, its representative 's misrepresentation of my consumer rights, and its assessment of an overdraft fee at the precise moment I was actively converting my account to a fee-free product. Each of these failures compounded upon the last. Had Wells Fargo reversed my fees when I first requested it on XX/XX/XXXX, had its representative accurately informed me of my right to disable overdraft service, or had it simply honored its commitment to respond within ten business days, my account would not be in the position it is in today.\n\nThe cumulative financial impact of this matter extends beyond the {$35.00} outstanding bank fee. My account 's negative balance has subjected me to potential additional fees, has impaired my ability to conduct ordinary financial transactions, and has caused material hardship to a XXXX individual already operating on a constrained budget. I raise this context not to dramatize my circumstances, but because it is directly relevant to the proportionality of the relief I am requesting and to the regulatory significance of Wells Fargo 's conduct toward this category of consumer.\n\nVIII. The Relief I Am Seeking I am not a litigious individual, nor do I seek anything beyond what is rightfully mine under the terms of my own account agreement and applicable federal and state law. I sought to resolve this matter through every internal channel Wells Fargo made available to me. I contacted front-line customer service. I escalated to second-level support. I submitted formal written complaints to the Board Communications office. I cooperated with the Enterprise Complaints Management Office. At every juncture, I was met with either denial, misrepresentation, or silence. I have been left with no recourse other than to invoke the regulatory protections that exist precisely for circumstances such as these. \nI respectfully request that each regulatory agency to which this statement is submitted compel Wells Fargo Bank , N.A . to provide the following relief : 1. Monetary Relief : Immediate reversal and refund of the outstanding {$35.00} overdraft fee assessed on XX/XX/XXXX, during my active account conversion to Clear Access Banking.\n\n2. Account Confirmation : Written confirmation that my account has been successfully and permanently converted to Clear Access Banking, and that no overdraft coverage, Debit Card Overdraft Service, or overdraft fees of any kind are applicable to my account going forward. \n\nXXXX. XXXX Accommodation : Written acknowledgment of Wells Fargo 's failure to honor my XXXX accommodation request and immediate implementation of a written-communication-only protocol for all future correspondence with me.\n\n4. Hardship Recognition : Formal recognition of the financial hardship caused by Wells Fargo 's conduct including the negative account balance of {$80.00} and consideration of any additional relief the agency deems appropriate given the circumstances of this complaint.\n\n5. Systemic Relief : A regulatory directive requiring Wells Fargo to retrain its customer service representatives regarding consumers ' rights under Regulation E to disable Debit Card Overdraft Service at any time, and to review its policies governing the assessment of overdraft fees against customers who are actively converting to fee-free account products.","company":"WELLS FARGO & COMPANY","company_response":"Closed with explanation","state":"CA","zip":"946XX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-09T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":22695,"cfpb_id":"21089093","date_received":"2026-04-09T12:00:00-05:00","product":"Student loan","sub_product":"Private student loan","issue":"Getting a loan","sub_issue":"High pressure sales tactics or recruiting","complaint_narrative":"I am submitting this complaint regarding a private student loan issued by Sallie Mae, which I believe involved unfair and deceptive lending practices, compounded by a lack of adequate guidance during my college enrollment process. \n\nI am a first-generation college student from a single-parent household. Neither my parent nor I had any prior experience navigating higher education financing. Throughout early XXXX, after applying to the XXXX XXXX XXXX, I made repeated attempts to contact the universitys financial aid office to understand my options for scholarships, grants, or other financial assistance. Despite multiple calls, I was unable to obtain clear or actionable information and was frequently redirected without meaningful support. \n\nIt was not until I attended in-person orientation ( after incurring travel expenses we could not afford ) that I was informed that my full out-of-state tuition balance would be due and that I had not qualified for institutional financial aid. At that point, I was told that my only remaining option to attend was to take out private student loans. This created a situation of significant stress, pressure and urgency, as I had already committed time, money, and effort toward attending the university. \n\nUnder these circumstances, I applied for and was immediately approved for a large private loan through Sallie Mae, despite having limited financial experience and no meaningful understanding of complex loan terms. I reasonably relied on the assumption that such a loan would be structured in a way that was manageable and appropriate for a student borrower. \n\nCritically, I did not understand nor was it clearly explained to me in a way I could reasonably comprehend, that the loan was structured in a manner that would result in negative amortization. I believed that my required monthly payments of {$25.00} would at least cover accruing interest or reduce my balance. Instead, the loan allowed substantial unpaid interest to accrue and capitalize over time. \n\nAs disclosed in the loan documents, more than {$19000.00} in unpaid interest was expected to accrue during the initial repayment period alone. As a result, despite making all required payments on time and never missing a payment, my loan balance has increased significantly from approximately {$41000.00} to nearly {$60000.00}. While I am still enrolled in school. \n\nAdditionally, the loan carries a high, variable interest rate ( over 11 % at origination, with the potential to rise substantially ), further exacerbating the financial burden. The structure and terms of this loan were not adequately explained in a way that accounted for my lack of financial sophistication as a first-generation student borrower. \n\nDue to the financial strain and the realization that I would need to take out similarly large private loans for each remaining year of my education, I was ultimately forced to transfer to a different institution. Continuing at the XXXX XXXX XXXX would have required me to incur an unsustainable level of debt over multiple years. This decision significantly altered my educational path and was not based on academic preference, but rather on the financial hardship and risk created by the loan structure and lack of adequate guidance. \n\nI believe this loan was issued without proper consideration of my ability to repay and was structured in a way that is inherently harmful to borrowers, particularly those in vulnerable or inexperienced positions. I further believe that the combination of inadequate institutional guidance and the lenders approval of a high-risk loan contributed to my current financial hardship. \n\nI am requesting that this loan be reviewed for potential relief, including but not limited to interest reduction, balance adjustment, or discharge, based on unfair, deceptive, or predatory lending practices. \n\nI am prepared to provide supporting documentation, including the loan disclosure showing the accrual of unpaid interest and the resulting increase in loan balance despite consistent, on-time payments.","company":"SLM CORPORATION","company_response":"Closed with explanation","state":"CA","zip":"91710","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-09T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":14538,"cfpb_id":"21074971","date_received":"2026-04-09T12:00:00-05:00","product":"Vehicle loan or lease","sub_product":"Loan","issue":"Repossession","sub_issue":"Account reinstatement or redemption after repossession","complaint_narrative":"I am submitting a complaint regarding Credit Acceptance Corporation ( Account XXXX. XXXX ) based on ongoing and newly discovered issues following my prior CFPB complaint ( XXXX XXXX. XXXX ). This matter involves continued misrepresentation, improper notice, and inaccurate information regarding the status and recoverability of my vehicle. \n\nIn my prior CFPB complaint, I clearly expressed my intent to resolve the account, reinstate the loan, and regain possession of the vehicle. I specifically requested a pause of any sale activity and the opportunity to cure the account and redeem the vehicle.\n\nDespite this, Credit Acceptance continued to represent to me that I would be able to regain possession of the vehicle through payment arrangements. These representations occurred multiple times, including last week and again this week, leading me to believe that recovery or redemption remained a viable option. \n\nThe vehicle was sold on XX/XX/year>. \n\nDespite the sale, I continued to receive information indicating that recovery of the vehicle was still possible. In Credit Acceptances formal response to my prior CFPB complaint, they instructed me to contact them to discuss redeeming the vehicle. Relying on that instruction, I contacted the company and was told to log into my account and pay the balance in order to redeem the vehicle. \n\nHowever, because the vehicle had already been sold on XX/XX/year>, redemption was no longer legally possible under XXXX XXXX. Directing me to log in and pay to redeem the vehicle after the sale constitutes materially inaccurate and misleading information. \n\nOn the following day, I contacted Credit Acceptance again and was instructed to call back three separate times. During those calls, I received inconsistent and incomplete information regarding recovery or resolution. On the final call, I was informed that there was nothing I could do. This sequence demonstrates that multiple representatives continued to communicate recovery-related options even after the vehicle had already been sold, followed by a complete reversal within the same day. Additionally, the companys prior investigation failed to account for this. The in\nvestigator should have had access to the vehicles sale status, yet recovery and redemption were still communicated to me multiple times. This raises concerns regarding internal controls, record accuracy, and compliance oversight.\n\nSeparately, Credit Acceptance failed to provide proper notice as required under XXXX XXXX and XXXX. All notices were sent to an outdated address ( XXXX XXXX XXXX ), while my correct address is XXXX XXXX XXXX, XXXX, Tennessee. As a result, I did not receive notice of repossession or my right to redeem prior to sale. \n\nThe repossession itself also raises concerns. The vehicle was taken from within a locked and enclosed area under my carport without my consent, and the incident was captured on video. Under XXXX XXXX, repossession must occur without breach of the peace. \n\nIn addition, personal property was left inside the vehicle at the time of repossession and has not been returned. I was not provided a meaningful opportunity to retrieve my belongings, nor was I given clear instructions on how to recover those items. The loss of personal property represents an additional harm resulting from the repossession and subsequent handling of the vehicle. \n\nThese actions have caused financial harm and hardship. I relied on the companys repeated representations when making financial decisions. Funds that could have been used for essential expenses were instead directed based on inaccurate information. In addition, the loss of the vehicle has impacted my ability to travel to work and maintain income stability. This hardship was worsened by the company continuing to suggest that recovery remained possible, delaying my ability to make alternative arrangements. \n\nOverall, Credit Acceptances conduct reflects repeated misrepresentation, inconsistent communication, defective notice, potential breach of peace, and failure to address personal property recovery, raising concerns under XXXX provisions, federal law ( including 15 U.S.C. 1692e and 1692f ), and the Tennessee Consumer Protection Act.","company":"CREDIT ACCEPTANCE CORPORATION","company_response":"Closed with explanation","state":"TN","zip":"38106","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-09T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":23637,"cfpb_id":"21044739","date_received":"2026-04-08T12:00:00-05:00","product":"Checking or savings account","sub_product":"Checking account","issue":"Managing an account","sub_issue":"Deposits and withdrawals","complaint_narrative":"Formal Complaint : Abusive and Deceptive Banking Practices ( Regions Bank ) The Issue : Illegal Fund Withholding and Predatory Account Closure I am filing this complaint due to a systemic, predatory practice by Regions Bank involving the \" soft-closure '' of active accounts without notice, resulting in the constructive seizure of my funds. \nXXXX. Proof of Active Account Status : Despite the bank 's claim that my account was \" inactive '' or \" closed due to a XXXX balance, '' my official transaction records prove I have used this account almost daily. Between XX/XX/year>, and XX/XX/year>, I made over XXXX transactions, including multiple deposits. Specifically : XX/XX/XXXX : Multiple deposits and payments ( XXXX, etc. ). \nXX/XX/XXXX & XX/XX/XXXX : Active transfers and expenditures. \nXX/XX/XXXX : I made four separate deposits totaling {$500.00}. \nXX/XX/XXXX ( Today ) : I deposited {$400.00}, which the bank accepted. \nXXXX. The \" XXXX XXXX '' ( Deceptive Practice ) : Regions Bank intentionally allows deposits to post to an account they have internally flagged as \" closed. '' They accepted my {$400.00} today but immediately froze the account, blocking me from using it for gasoline or food for my children. By accepting funds into a locked state without prior warning, the bank is engaging in a deceptive practice designed to \" trap '' consumer liquidity. \n3. Unearned Fees & Breach of Contract : I am charged a {$10.00} monthly service fee on two separate accounts ( Totaling $ XXXX ). If I am paying for a \" Service Plan, '' I am entitled to the service promised. The bank can not legally collect a maintenance fee while simultaneously implementing a \" hair-trigger '' lockout policy that suspends that very maintenance the moment a balance hits XXXX. This is a deceptive fee for a service the bank has intentionally XXXX via automation. \nXXXX. Disregard for XXXX XXXX ( Abusive Conduct ) : Today, while my car was in the repair shop and I was unable to travel XXXX minutes to a physical branch, I informed Regions ' customer service of a verified hardship : I needed my funds to provide dinner for my children. I was met with laughter and a refusal to escalate the matter for a manual override. This total disregard for the welfare of minors, while the bank sits on {$400.00} of my property, is unconscionable. \nDesired Resolution : I am seeking the immediate release of my funds ( {$400.00} ). I am also requesting a formal investigation into Regions Banks \" soft-close '' automation and its fee-collection practices, which violate UDAAP standards regarding fair notice and accessibility of funds.","company":"REGIONS FINANCIAL CORPORATION","company_response":"Closed with monetary relief","state":"AL","zip":"359XX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-08T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":21832,"cfpb_id":"21053068","date_received":"2026-04-08T12:00:00-05:00","product":"Checking or savings account","sub_product":"CD (Certificate of Deposit)","issue":"Managing an account","sub_issue":"Banking errors","complaint_narrative":"I am filing this complaint regarding my account with U.S. Bank, which was abruptly closed for alleged fraudulent activity, despite me not engaging in any fraudulent behavior. \n\nWhile traveling, I stayed at XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and paid a deposit using my debit card. The deposit was charged on a Friday and refunded the following Monday. Immediately after the refund was processed, my account was frozen and later closed without prior notice or clear explanation.\n\nI have since learned that multiple members of my family who stayed at the same hotel experienced inconsistent and conflicting transaction issues. For example, my mother was told by her bank that no charge existed, while the hotel claims her card was charged. This raises concerns of a potential merchant processing issue or fraudulent activity connected to this hotel, rather than any wrongdoing on my part.\n\nAs a result of my account being closed, I have been unable to access my funds for over two weeks. This caused significant financial hardship while I was traveling, leaving me without access to money for basic necessities. \n\nDespite multiple attempts to contact the bank, I have not received a clear explanation for the account closure, nor have I been provided a timeline for when my funds will be released.","company":"U.S. BANCORP","company_response":"Closed with explanation","state":"IL","zip":"604XX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-08T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":20283,"cfpb_id":"21071137","date_received":"2026-04-08T12:00:00-05:00","product":"Vehicle loan or lease","sub_product":"Loan","issue":"Getting a loan or lease","sub_issue":"Confusing or misleading advertising or marketing","complaint_narrative":"I leased a used car from CREDIT ACCEPTANCE through XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PAID XXXX at the car lot to pay it down so i can own it in a few months!!! ... It was for a used XXXX XXXX XXXX  XXXX miles, Im noticing im paying my carnote but the balance remained the same for a very long time!!! !.... I kept asking what was going on and they made it like it was me..... IM CONSTANTLY MAKING PAYMENTS and they kept taking this car from me for yrssss!!! THEY FOUND A VULNERABLE XXXX AMERICAN FEMALE LOOKING FOR A RELIABLE CAR.... Now Im Starting to fail in everything else financially because not only am I paying for this car but Im as also paying Rent {$1100.00} and bills, I have XXXX kids, repossession fees and travel expenses to get to other cities to recover the car, plus damage done to the car from being quick and sneakily towed from watever spot they pick the car up from!!!!! ... Including damages of {$1300.00} for hoses and {$1700.00} for the turbo sensor that went out, it needed brakes, tires, oil change, fluids, it had electrical damages, neither windows let down but one in the back and {$600.00} because the car had no heat and air once the warranty expired!!! AS SOON AS THE WARRANTY EXPIRED EVERYTHING WENT WRONG!!!!! In order to drive i had to fix EVERTHING, i couldn't even defrost my windows for work in the winter mornings because I couldn't afford to get the cooling system fixed!!! .... Upon running into other financial burdens i get on a cheaper payment plan for 6 months after having this car and going through ups and downs for 6yrs since, for some reason I couldnt get ahead with this car XXXX, I get on a 6month plan XXXX XXXX XXXX they came and repossessed my car about XX/XX/XXXX right before XXXX and upon being 6 months in a few weeksand then tell me to hand them over another flat {$1000.00} to have the car and it be fully paid off title in hand!!! I GUESS THEY KNEW TAX TIME WAS APPROACHING XXXX They took the car to another city. The car havnt been driven much because i caught a blowout going to a job interview in another city because i needed the extra money. There was a donut on the front tire, there was not much gas because I wasn't driving much and my money was low... If i wouldve had to pay someone to drive me to the city to get the car and was priced {$200.00} that I didn't have plus repo fee plus storage then gas and there's no way I can get on the highway riding a donut XXXX  THEN ITS XXXX TIME!!!! THE EXPERIENCE I HAD WITH THIS COMPANY WILL NEVER GO UNHEARD IVE NEVER IN MY LIFE HAD A CARNOTE THIS WAS MY FIRST AND LETS JUST SAY I WENT IN THERE WITH CONFIDENCE AND PAID THE PRICE FOR BEING SO HAPPY AND PROUD TO HAVE A SOMEWHAT NEW CAR!!! THEY SAW ME COMING AND KNEW I WAS IGNORANT TO PAYING A LEASE AND KNOWING ABOUT APR RATES ETC .. .After awhile I was told my APR was through the roof and was scammed into a outrageous Contract on a used vehicle smh didn't know that existed until after I signed the lease!!!! XXXX XXXX, I spent so much money on this car that I lost my apartment and ended up homeless after this situation!!! Now I CANT EVEN DRIVE TO WORK AT ALL XXXX THIS COMPANY SUCKS AND IF I WAS ANYBDY ELSE IN THE FUTURE, I WOULD NOT DEAL WITH THEM THEY ARE SCAMMERS AND CROOKS AND TOOK ALL MY MONEY THEN TOOK THE CAR THAT I ALSO PUT All my money in and LEASED IT TO THE NEXT SUCKER FOR CARNOTE PAYMENTS WITH PLANS OF NEVER ACTUALLY ALLOWING THEM TO OWN THIS VEHICLE!!!!!!! I WILL NEVER STOP MY COMPLAINTS UNTIL I AM SATISFIED ON THIS SITUATION, YOU MESSED WITH THE WRONG YOUNG LADY JUST TRYING TO MAKE IT IN THIS COLD CRUEL WORLD, I WILL BE SEEKING LEGAL ADVICE!!!!! THIS IS NOT OVERRRRRRRRR!!!!!!!! TOOK ADVANTAGE OF A YOUNG XXXX AMERICAN WOMAN WITH TAX MONEY LEASING HER VERY FIRST CAR OFF A CAR LOT XXXX  WHAT A SHAME","company":"CREDIT ACCEPTANCE CORPORATION","company_response":"Closed with explanation","state":"IN","zip":"47909","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-08T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":19406,"cfpb_id":"21037546","date_received":"2026-04-08T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement","complaint_narrative":"I am filing a complaint regarding Citis refusal to investigate a valid billing dispute due to timing, despite clear evidence of services not rendered and delayed discovery.\n\nI was charged a total of {$1400.00} for a travel package that included hotel accommodations and additional nights. The service was for future travel dates. As the travel date approached, I contacted the hotel directly and was informed that no reservation had ever been made under my name.\n\nI attempted to resolve this directly with the merchant over several months. The merchant eventually acknowledged the issue, agreed to cancel the package, and issued a partial refund of {$300.00} in XX/XX/year>, but failed to return the remaining balance of {$1100.00}. \nAfter receiving only a partial refund and no further response from the merchant, I filed a dispute with Citi. Citi refused to investigate the dispute, stating it was outside the allowed timeframe, despite the fact that : The service date was in the future The issue was only discovered later ( no reservation existed ) The merchant continued communication and issued a partial refund I acted in good faith to resolve the issue before disputing I requested escalation, and although the case was briefly reopened, Citi ultimately closed it again solely based on timing, without reviewing the merits of the case. \nI am requesting that Citi properly review this dispute under services not rendered and delayed discovery, and reconsider reimbursement of the remaining disputed amount.","company":"CITIBANK, N.A.","company_response":"Closed with explanation","state":"CA","zip":"92506","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-08T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":17343,"cfpb_id":"21066162","date_received":"2026-04-08T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Card was charged for something you did not purchase with the card","complaint_narrative":"XX/XX/XXXX : Online reservation made from residence within XXXX via XXXX ( Review Citi letter dated XX/XX/XXXX, XXXX paragraph ) XX/XX/XXXX : Arrived at XXXX XXXXXXXX XXXX XXXX counter at XXXX XXXX ( XXXX ) - Reservation found Car Rental Agent swiped Citi XXXX Card. Immediately declined Rental Agent tried a second time Citi XXXX XXXX declined Rental Agent asked if I had another card. I presented XXXX XXXX. XXXX XXXX accepted. \n( XXXX XXXX documents- checkout/returned ) XX/XX/XXXX : XXXX returned. XXXX damage, verified in my presence and annotated by Rental agent verbally and on invoice. Additional fee ( accident deposit ) removed from XXXX XXXX actual rental amount charged ( XXXX XXXX documents - checkout/return ) XX/XX/XXXX : Initial complaint filed via telephone using XXXX number. Referred by Citibank agent to XXXX XXXX  XX/XX/XXXX : Submitted all requested information ( rental invoices and summary of events ) to XXXX XXXX  XX/XX/XXXX : Received letter from XXXX XXXX  stating charges are not mine and have been declined ( Review letter dated XX/XX/XXXX ) XX/XX/XXXX : Letter received dated XX/XX/XXXX, from Customer Service stating, We were not contacted in a timely manner and are unable to assist. As a result, were unable to honor your billing dispute and you are responsible for the disputed amount ( s ). \nOn XX/XX/XXXX ( XXXX XXXX  ) I spoke with XXXX ( Citi XXXX XXXX Dispute Team ). I was verbally told I did not contact Citi XXXX XXXX timely but to resubmit documents originally submitted to their XXXX XXXX. I was provided both a FAX number and a physical mailing address. I submitted again previously submitted documents via XXXX. \nXX/XX/XXXX : Letter received dated XX/XX/XXXX, from Customer Service stating again, We were not contacted in a timely manner and unable to assist. \nDISPUTE TIMELY FILED Deceptive business practices. As noted above, I timely contacted the XXXX that is listed on the back of the credit card. After explaining the issue and the disputed charge I was referred to XXXX XXXX by their ( Citi XXXX ) agent. After their investigation Citis XXXX XXXX determined the charge was not mine. \nThe rental car charge has been paid via XXXX XXXX. The additional charge ( accident fee ) at the time of rental was removed when the car was returned ( XXXX XXXX ) undamaged and only the actual rental fee for XXXX week was charged to my XXXX XXXX. \nCiti Mastercard was contacted regarding my overseas travel and the countries I would be visiting. The failure resides with Citi Mastercard for refusing to honor my card at the rental counter in XXXX. \nPlease see attached documents. I DO NOT owe XXXX XXXX XXXX XXXX XXXX CITI Master Card or their subcontractors (? ) any money. I did everything correctly. The problem was/is with Citi Thank You Master Card. The Account Statement is additional proof that I filed my complaint timely.\n\nThe dispute was filed timely. The problem is internal not my issue.","company":"CITIBANK, N.A.","company_response":"Closed with monetary relief","state":"MD","zip":"20904","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-08T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":14455,"cfpb_id":"21067466","date_received":"2026-04-08T12:00:00-05:00","product":"Mortgage","sub_product":"FHA mortgage","issue":"Struggling to pay mortgage","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","complaint_narrative":"Manufactured Default & Breach of Repayment Agreement 1. Sabotage of a Performing Repayment Plan XXXX Mortgage is utilizing unauthorized drafts and \" suspense account '' traps to force a 7.2 % interest rate modification by unilaterally voiding a valid repayment plan designed to protect my 3.125 % fixed-rate agreement. \nIn XX/XX/XXXX, I entered a specific repayment plan and successfully performed by making a payment of {$9100.00} ( attached below ). On XX/XX/XXXX, I instructed a XXXX agent to make the next plan payment. The agent drafted an unauthorized amount of {$8000.00} without confirming the suma violation of Regulation E. Despite this unauthorized \" short '' draft, the agents internal log ( attached below ) explicitly states : \" i adv that pmt will cover XX/XX/XXXX rpmt plan. '' XXXX then used this unauthorized draft as a pretext to cancel the repayment plan. They later admitted in a XX/XX/XXXX, letter ( attached below ) that they were holding {$1100.00} in an undisclosed suspense account. Crucially, I received zero billing statements disclosing these funds, which is a clear TILA violation.\n\n2. The Mathematical Proof of Breach The math proves the default was manufactured by the bank, not the borrower : {$8000.00} ( Unauthorized Draft ) + {$1100.00} ( Hidden Suspense ) = {$9100.00} This total matches my successful XXXX payment to the penny. XXXX used their own failure to apply these combined funds to cancel the plan and strip my rate protection. \n\nXXXX. Deceptive \" Setup to Fail '' Solicitation & Loss Mitigation Churn Since sabotaging the XXXX plan, XXXX has engaged in predatory churn. For seven months, I have been pressured to accept a 7.2 % modification, which I have consistently contested. XXXX recently attempted to force a XXXX repayment plan for about $ XXXX nearly double my established plandesigned solely to force a technical default. \nMost recently, on XX/XX/XXXX, an agent called soliciting a \" XXXX '' trial payment, falsely claiming I had agreed to it. After I demanded the agent check the loan notes, he apologized and admitted he was mistaken. Soliciting a XXXX payment in XXXX is a deceptive practice ; per XXXX 's own terms, a late trial payment results in an automatic failure. This is a \" void on arrival '' agreement intended to collect funds without providing a path to modification. \n\nXXXX. \" Ghost Documents '' and SPOC Violations On XX/XX/XXXX, I received a \" Repayment Plan '' package dated XXXX XXXX document I had never seen in two years of communication ( attached below ). This document incorrectly identifies my Fixed-Rate loan as an \" Adjustable Rate Mortgage '' ( ARM ). It appears XXXX is using outdated, incorrect, and previously undisclosed records to justify a manufactured default. Furthermore, XXXX has falsely claimed they are \" not required '' to assign a Single Point of Contact ( SPOC ), a direct violation of 12 C.F.R. 1024.40.","company":"MIDFIRST BANK","company_response":"Closed with explanation","state":"NY","zip":"11581","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-08T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":14279,"cfpb_id":"21034821","date_received":"2026-04-08T12:00:00-05:00","product":"Checking or savings account","sub_product":"Checking account","issue":"Managing an account","sub_issue":"Problem accessing account","complaint_narrative":"Institution : Wells Fargo Bank , N.A .\n\n( Account Takeover Department ) Nature of Complaint : I have held my Wells Fargo checking account for over 25 years. In that time, there have been no account lockouts, no significant fraud incidents, and the account has always been in good standing. \n\nWells Fargo locked me out of both my personal and business checking accounts on XX/XX/year> without notification, despite my having authenticated every flagged transaction over the preceding week through multiple verification methods, including biometric facial recognition ( Face ID ), uploading my drivers license ( multiple times ), SMS text verification and providing my Social Security number, address, phone number, debit card number, and login credentials. Each flagged transaction was authenticated and released with the assurance that the card was reset and that these transactions would no longer be flagged. \n\nSubsequent attempts to resolve the lockout were met with unexplained procedural requirements, and a Wells Fargo representative terminated the call while I was mid-sentence. \n\nChronology of Events Approximately XX/XX/XXXX XX/XX/year> : Wells Fargos fraud detection system repeatedly blocked legitimate transactions on my accounts because they deviated from my typical transaction pattern. Each time, I contacted Wells Fargo and satisfied their verification requirements, as described above. After each verification, the flagged transaction was released.\n\nApril 6, 2026 : Wells Fargos Account Takeover Department disabled access to both accounts. I discovered this approximately 15 minutes before the department closed and was told I would have to call back the next business day. No escalation path or emergency accommodation was offered. \nXX/XX/year> : I called the Account Takeover Department and completed another full verification. The representative ( XXXX XXXX stated that the system would not allow him to restore access and offered two options : ( 1 ) call back after 24 to 48 hours, or ( 2 ) visit a branch in person with two forms of identification. He could not explain why waiting 24 to 48 hours would produce a different outcome than the current call. The nearest branch is approximately a two-hour round trip from my location, and I was unable to travel that day due to medical appointments, making the earliest possible resolution XX/XX/year> a lockout of at least two full days.\n\nThe representative also confirmed that during the lockout, all customer-initiated transactions including deposits, bill payments, and wire transfers would be blocked. Only previously established automatic transactions would continue to process. As a direct result, a {$35000.00} wire transfer I had initiated from XXXX XXXX was blocked by Wells Fargo upon arrival. \n\nPremature call termination : While I was mid-sentence asking a clarifying question about the callback option, the representative interrupted with a scripted closing and disconnected the call. I had been polite and cooperative throughout the interaction, which is verifiable on Wells Fargos recorded call log.\n\nConcerns 1. Disregard for extensive prior authentication. Over the preceding week, I authenticated my identity through every method available to me, including biometric facial recognition a verification method that can not be circumvented without the account holders physical presence. Despite this and all other verification requests that I satisfied, Wells Fargo account takeover department imposed a full account lockout and then required yet another round of verification that its own representative was unable to use to restore access.\n\n2. Blocking of incoming funds. Wells Fargo confirmed that customer-initiated deposits and wire transfers would be blocked during the lockout. A {$35000.00} wire transfer from XXXX XXXX was blocked as a result. Blocking incoming funds that the account holder has independently initiated from a verified external institution goes beyond any reasonable fraud prevention measure.\n\n3. No viable remote resolution. The Account Takeover Department could not restore access by phone, could not explain why a 24-to-48-hour delay would change that outcome, and offered in-person branch verification as the recommended alternative. For customers in rural areas, this imposes a significant time and travel/costs burden that extends the lockout period.\n\n4. Unprofessional con\n\nduct. The representative disconnected the call while I was mid-sentence asking a legitimate question, which is essentially hanging up on me. This interaction is documented on Wells Fargos call recording system.\n\n5. Overly sensitive fraud detection. The fraud detection system flags transactions solely because they deviate from an established pattern and does not appear to incorporate prior authentication events into subsequent risk assessments. This creates a cycle of repeated blocks and verifications with no resolution, ultimately culminating in a full account lockout despite the customer having satisfied every verification request.\n\nRegulatory Basis This complaint is filed pursuant to the OCCs supervisory authority over national banks under 12 U.S.C. 1 et seq. and the CFPBs authority under the Consumer Financial Protection Act ( 12 U.S.C. 5536 ) to address unfair, deceptive, or abusive acts or practices ( UDAAP ). Wells Fargos conduct as described above causes substantial risk and potential for injury to consumers that is not reasonably avoidable and is not outweighed by countervailing benefits.","company":"WELLS FARGO & COMPANY","company_response":"Closed with explanation","state":"MT","zip":"592XX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-08T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":6987,"cfpb_id":"21040780","date_received":"2026-04-08T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Card was charged for something you did not purchase with the card","complaint_narrative":"Barclays billed me {$5800.00} for a charge flagged immediately as unauthorized ; no signed authorization exists. This constitutes \" charges for services not accepted by the obligor '' under FCBA 1666f ( 1 ) ( A ). Merchant promised full refund; pending credits posted but never cleared.\n\nBarclays closed dispute without : ( 1 ) thorough investigation, ( 2 ) providing contact information for investigator, ( 3 ) requested manager callback, or ( 4 ) proof I authorized {$5800.00}. They violated FCBA 1666f requiring written explanation + documentation, AND their Cardmember Agreement 54 ( b ) requiring same.\n\nThis breaches statutory duty and advertised dispute standards. Florida OFR oversees compliance. Demand immediate investigation/removal.","company":"BARCLAYS BANK DELAWARE","company_response":"Closed with explanation","state":"OH","zip":"43054","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-08T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":17664,"cfpb_id":"21030500","date_received":"2026-04-07T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement","complaint_narrative":"\" I am disputing a {$320.00} charge from XXXX XXXX for 'gratuities ' that were never paid to the cruise line ( XXXX ). The merchant used a bait-and-switch tactic to manufacture a false record of consent : The Timeline Fraud : The merchant processed the charge before I ever received an email or viewed any terms. The money was taken first ; the 'disclosure ' came later. \nThe 'Yes ' Bait : While on the phone, the agent pressured me to reply 'Yes ' to a blank email to 'finalize the call. ' I did so, but that one-word reply was never an authorization for a contract.\n\nThe Digital Forgery : The merchant has since taken my name and that one-word 'Yes ' and digitally manipulated them into a fake mock-up. They created a fraudulent email header ( 'From : XXXX XXXX XXXX ) and attached it to a 6-page 'Terms and Conditions ' document that I never saw, signed, or authorized. \nProof of Failure to Provide Service : I have the XXXX XXXX XXXX proving I had to pay these same charges myself at the end of the trip. The merchant 's claim of payment is a total fabrication. \nI have sent a formal rebuttal via Certified Mail ( WithTracking. ) on XX/XX/XXXX. I am requesting that Citibank 's fraud department perform a metadata audit of the merchant 's evidence, as it is a manufactured forgery that does not exist in my 'Sent ' mail history. '' Citibank / Billing Dispute Center RE : FORMAL APPEAL Case ID # XXXX To : Citibank Billing Dispute Department I am writing to formally appeal the denial of my dispute regarding the {$320.00} charge from XXXX XXXX XXXX Your previous investigation concluded that \" services were rendered, '' but I am providing, physical evidence that proves this merchant committed both a failure of service and a fraudulent overcharge. \n\nThe Evidence : Merchant Overcharge : XXXX XXXX  charged my account {$320.00} for \" prepaid gratuities. '' However, as shown on the attached official cruise folio, the actual cost for these gratuities ( the \" XXXX XXXX XXXX '' ) was only {$220.00} ( {$110.00} per passenger ). The merchant inflated this cost by nearly {$100.00}.\n\nDouble-Billing / Services Not Rendered : The merchants claim that \" services were completed '' is false. If they had prepaid the {$220.00} to the cruise line, my onboard balance would have been {$0.00}. Instead, the attached receipt proves I was forced to pay the full {$220.00} directly to the ship because the merchant never sent the funds.\n\n\" Furthermore, the merchants documentation likely claims a 'Name Change Fee. ' This is a blatant misrepresentation as well and they said it was stated as free, then ask if I would like to pay my gratuities because they were cheaper at the time. No passengers were changed ; the names on the booking remained XXXX and XXXX XXXX. The only updates made were to correct a middle name and a birthdate error that XXXX made ( Not XXXX XXXX  ) had incorrectly assigned my birthdate to my spouse ). Correcting a clerical error is not a 'Name Change ' and does not justify a {$320.00} chargeespecially when the actual service fee for the cruise line 's gratuities was documented as only {$220.00}. '' and name changes are free with the XXXX XXXX XXXX \" One ( 1 ) Free Cruise change '' Documented proof enclosed.\n\nFraudulent Misrepresentation : Fact : I did not book this cruise though XXXX XXXX I booked online myself on XXXX website. \nThe merchant represented themselves as being part of or authorized by XXXX XXXX. I am a Silver-level member of the XXXX XXXX  XXXX and am familiar with their direct booking process. XXXX XXXX is a third-party agency with no authority to act as the cruise line. This \" passing off '' was used to deceive me into paying for \" prepaid gratuities '' that were never actually rendered. \n\nMerchant Reputation : XXXX XXXX  ( operating as \" XXXX XXXX XXXX '' ) currently holds an \" F '' rating with the XXXX XXXX XXXX XXXX XXXX XXXX and has a documented \" Pattern of Complaints '' for exactly this type of unauthorized billing and failure to provide travel services. \nXXXX reviewers specifically warn that XXXX XXXX  \" masters the art of impersonating other airlines '' and cruise lines so customers don't realize they aren't dealing with the carrier directly. \nThe \" Additional Fee '' Tactic : Many users report being called after a booking and told they must pay \" extra fees '' or \" taxes '' ( similar to my \" gratuity '' charge ) or their tickets will be cancelled.\n\nFTC and FBI ( IC3 ) Reports : Several consumers have publicly stated they have filed reports with the Federal Trade Commission ( FTC ) and the FBIs Internet Crime Complaint Center ( IC3 ) regarding this company 's fraudulent billing practices. \n\nRequested Action : As a long-standing customer with an XXXX XXXX XXXX, I request a senior supervisor manually review the attached XXXX XXXX. Please compare the {$220.00} total on my ship receipt to the {$320.00} charge from the merchant. It is mathematically impossible for the merchant to have \" rendered service '' when I have a receipt proving I had to pay for it a second time. \nIf this charge and all associated interest are reversed back to my account, I will be escalating this to the Fair Credit Billing Act violation to the Consumer Financial Protection Bureau ( CFPB ) and the New York State Attorney General 's Consumer Frauds Bureau.","company":"CITIBANK, N.A.","company_response":"Closed with monetary relief","state":"NY","zip":"12401","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-07T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":16992,"cfpb_id":"21013959","date_received":"2026-04-07T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Other features, terms, or problems","sub_issue":"Problem with rewards from credit card","complaint_narrative":"First National Bank of Omaha ( FNBO ) issued me XXXX XXXX XXXX XXXX XXXXhat always gives XXXX points for purchases considered TRAVEL. On XX/XX/year>, I made a purchase from XXXX for {$210.00} charging it on my FNBO card. FNBO did not give me the XXXX points, only XXXX. When I inquired FNBO customer representative XXXX stated that XXXX was listed by FNBO as a TRANSPORTATION ORGANIZATION, but was not considered to be TRAVEL. This makes no sense at all. Furthermore, XXXX is a business organization that exclusively deals with travel, such as auto/driver membership, mass transit tickets, hotel reservations, auto rentals, boat cruises, etc. In this case, TRANSPORTATION should = TRAVEL.","company":"FIRST NATIONAL BANK OF OMAHA","company_response":"Closed with explanation","state":"VA","zip":"XXXXX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-07T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":15914,"cfpb_id":"20997776","date_received":"2026-04-07T12:00:00-05:00","product":"Checking or savings account","sub_product":"Checking account","issue":"Managing an account","sub_issue":"Problem using a debit or ATM card","complaint_narrative":"Wells Fargo denied my debit card dispute ( # XXXX ) despite photographic proof of merchant overcharging. \n\nOn XX/XX/year> ( Thursday, XXXX ), XXXX XXXX XXXX XXXX charged my debit card {$99.00} total ( {$31.00} + {$68.00} ). Their own menu states \" Weekend Dinner Only Price '' ( {$24.00}.","company":"WELLS FARGO & COMPANY","company_response":"Closed with explanation","state":"CA","zip":"93960","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-07T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":5575,"cfpb_id":"20996935","date_received":"2026-04-07T12:00:00-05:00","product":"Mortgage","sub_product":"Home equity loan or line of credit (HELOC)","issue":"Trouble during payment process","sub_issue":"Interest rate","complaint_narrative":"Failure to provide copies of appraisal reports for appraisals closing and opening a Home Equity Line Of Credit ( HELOC ). Failure to timely provide notice and disclosures for account closure and opening. Breach of Contract for rate adjustments tied to XXXX XXXX. Failure to verify appraisal submission to XXXX XXXX XXXX XXXX \nFabrication of untruths to Attorney General of North Carolina. Breach of Contract for application of fees. Failure to provide a financial redress of account data requested by consumer. Failure to act in \" Good Faith ''. Failure to act as a professional by not responding to consumer 's requests under federal statutes.\n\nMy complaints are based on the following : 1. ECOA Valuation Rule Violations ( Reg B, 12 CFR 1002.14 ) : Truist acted in violation of consumer law regarding appraisal requests, specifically regarding the unauthorized closing and subsequent reopening of my HELOC.\n\n2. Material Breach of Contract ( Interest Rates ) : On at least 12 occasions, Truist failed to apply the contracted HELOC interest rate ( Prime + 0.49 % ), causing direct financial harm.\n\nSpecifically, my experience was characterized by the following : > Misrepresentation of Property Values by Truist Bank by staff providing misleading and obtrusively inaccurate property valuations hindering the refinance process.\n\n> Omission of Key Facts : Critical information was withheld, effectively holding my VA IRRRL \" hostage '' until the organization 's undisclosed objectives were met.\n\n> Direct Financial and Credit Damage : These actions caused immediate financial loss and severely damaged my credit score. It took nearly six months of dedicated effort to repair my credit to its pre-incident state.","company":"TRUIST FINANCIAL CORPORATION","company_response":"Closed with explanation","state":"VA","zip":"XXXXX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-07T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":3931,"cfpb_id":"21032093","date_received":"2026-04-07T12:00:00-05:00","product":"Debt collection","sub_product":"Other debt","issue":"Written notification about debt","sub_issue":"Didn't receive enough information to verify debt","complaint_narrative":"Received a letter stating that I owed {$18.00} as of XX/XX/year> for tolls on the Kansas Turnpike from a supposed law firm by the name of Lineburger Gogan Blair & Sampson , LLP. As my tolls are automatically taken from my account, and the dates they state these tolls were accrued I did not travel on a toll road, I knew immediately it was a scam.","company":"Linebarger Goggan Blair & Sampson LLP","company_response":"Closed with explanation","state":"KS","zip":"664XX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-16T12:00:00-05:00","created_at":"2026-05-08 11:57:32"},{"id":23732,"cfpb_id":"20974685","date_received":"2026-04-06T12:00:00-05:00","product":"Checking or savings account","sub_product":"Savings account","issue":"Managing an account","sub_issue":"Funds not handled or disbursed as instructed","complaint_narrative":"In late XXXX deposited {$15000.00} from XXXX XXXX XXXX to USAA XXXX and was sent a note telling me the funds were available. I transferred the funds to another non-USAA money market account and was told 2 days later and then told by USAA NSF on the account. \n\nRecord of calls : USAA banking issue XXXX XX/XX/year>XXXX  XXXX  ; Set up automatic transfers Account activity Download Activity Report XX/XX/year>XXXX  Transfer XX/XX/year>XXXX  Transfer Reversal XX/XX/year>XXXX  Transfer XX/XX/year>XXXX  Transfer From USAA XXXX + {$15000.00} {$15000.00} To USAA XXXX - {$15000.00} {$25.00} From USAA XXXX + {$15000.00} {$15000.00} From USAA XXXX + {$25.00} {$25.00} - XXXX XXXX XXXXXXXX, acted like he could not hear me- XXXX XXXX youre not allowed give employee number, Had no answer. Said funds were in the account - XXXX put me on hold Found on USAA website : There have been no declined transactions in the last 7 days. \n\n- XXXX XXXX XXXX Executive Resolution The system had the expectation that the funds were available. \n\nThere is no resolution. \n\n- XXXX, XXXX XXXX put me on hold again. \n\n- XXXX No discrepancies were found The NSF will not be reported to any agency although it was reported to me. \n\nThere will be no communication to me of any resolution. \n\nThe NSF record will stay on my USAA account for 6 months There is no way to email USAA. \n\nUSAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX does not have a supervisor XXXX has a Manager named XXXX that will not speak to members. \n\n- XXXX calling another Agent for USAA XXXX XXXX - XXXX Put me on hold - XXXX XXXX XXXX XXXX He will call me back if we are disconnected, sounded helpful XXXX Is overdraft protection in place for this account? \n\nXXXX XXXX - XXXX XXXX XXXX x XXXX Will send me an email I answered all her questions Would not answer any of my questions. \n\nSaid there is no email address to USAA.\n\nHung up on me. \n\n- XXXX XXXX XXXX XXXX XXXX Answered all questions, put on hold Supervisor XXXX cant share last name extension cant be shared, he will call me within 48 hours CEO XXXX no information can be shared XXXX XXXX - XXXX Never said shed call back","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","company_response":"Closed with explanation","state":"GA","zip":"30813","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-06T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":21826,"cfpb_id":"20977698","date_received":"2026-04-06T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Card was charged for something you did not purchase with the card","complaint_narrative":"I booked a hotel through what I thought was my credit card, AAdvantage through XXXX XXXX. Turns out it was a company called XXXX travel. When I called to cancel and rebook a new hotel, they told me I had to pay over {$2000.00} to modify my reservation to a type that allows canges to reservations. They assured me it would be refunded. It turns out that was another company, which is a complete scam company. That was XXXX months ago, and still no refund. The company that promised the refund does not seem to exist and the number is defunct, and all of the associated websites tied to the number seem to be scams, and the number to XXXX just says they are not open. AADvantage/Barclay needs to be more professional and vet their travel booking service and not use scam companies. I have never carried a balance in the entire history of owning this card, and I am infuriated that my frequent attempts at communication and resolution to this issue are not being taken seriously. \n\nI have attached items for verification - one is the original email confirmation from a person and company that DOES NOT EXIST. XXXX XXXX is actually deceased. I have researched this person and called/emailed every single contact I can find and she doesn't exist. Attachment XXXX is the BBB complaint I filed. Attachment XXXX is the response from the Vermont Attorney General, which I filed. They have investigated and confirmed that this was fraudulent.","company":"BARCLAYS BANK DELAWARE","company_response":"Closed with explanation","state":"VT","zip":"054XX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-06T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":8838,"cfpb_id":"20971411","date_received":"2026-04-06T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement","complaint_narrative":"On XX/XX/XXXX, a charge of {$790.00} was posted to my credit card account from a third-party travel booking service. The charge appeared to be associated with XXXX XXXX at the time of purchase ; however, XXXX XXXX later confirmed in writing that the charge was not processed by them and originated from a third-party agency. \n\nOn XX/XX/XXXX, the merchant provided written confirmation stating that a full refund of {$790.00} had been successfully processed, with an expected refund date of XX/XX/XXXX. No refund has ever been credited to my account. \n\nBarclays opened a dispute on XX/XX/XXXX and closed it on XX/XX/XXXX. \n\nOn XX/XX/XXXX, I participated in a XXXXway call with Barclays and the merchant, during which the merchant confirmed that a refund would be issued. Barclays was present on this call. \n\nI submitted a request to reopen the dispute with supporting documentation, which was mailed on XX/XX/XXXX. At Barclays suggestion, I also faxed the same documentation on XX/XX/XXXX. \n\nI was later informed that the mailed request was not received and that the fax submitted on XX/XX/XXXX was not logged as received until XX/XX/XXXX. \n\nBarclays has stated that no further action can be taken because the dispute is outside of the applicable timeframe. The matter has been evaluated based on the original transaction date rather than the confirmed refund and the fact that no refund was received. \n\nThe merchant confirmed that the refund was successfully processed, but no corresponding credit has been received or verified.","company":"BARCLAYS BANK DELAWARE","company_response":"Closed with explanation","state":"IA","zip":"503XX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-06T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":8807,"cfpb_id":"20970434","date_received":"2026-04-06T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement","complaint_narrative":"Subject : Failure to investigate merchant pricing deception and FCBA violation. \n\nI am a Citibank cardholder of over 30 years. On XX/XX/year>, I authorized a travel purchase through XXXX for {$200.00}. At the final \" Pay '' click, the merchant technically manipulated the transaction to process for {$270.00} without my consent.\n\nI contested this charge within 24 hours. Citibank 's Dispute Team denied my dispute on XX/XX/year>, citing an incorrect \" timeframe '' for the disputea clear clerical error and a violation of my rights under the Fair Credit Billing Act ( FCBA ).\n\nSince the dispute was initiated, the merchant has refunded {$63.00}, which they characterized as a \" service addon. '' I never authorized any such addon ; the price simply jumped at the point of sale. This refund confirms a billing error occurred. However, because of the merchant 's deceptive pricing and the immediate need to secure reliable travel, I was forced to purchase replacement tickets through a third party ( XXXX XXXX  for {$220.00}. \n\nCitibank is now refusing to reverse the remaining {$200.00}, effectively forcing me to pay for a \" service '' that was rendered unusable by the merchant 's initial unauthorized price manipulation. I am requesting that the CFPB compel Citibank to perform a manual review of this case and reverse the remaining balance, as the merchant 's admitted \" billing error '' ( the \" addon '' ) reflects the deceptive nature of the entire transaction.","company":"CITIBANK, N.A.","company_response":"Closed with explanation","state":"CA","zip":"XXXXX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-06T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":7193,"cfpb_id":"20975573","date_received":"2026-04-06T12:00:00-05:00","product":"Payday loan, title loan, personal loan, or advance loan","sub_product":"Pawn loan","issue":"Charged fees or interest you didn't expect","sub_issue":null,"complaint_narrative":"We made our payment every month on time. The mortgage company changed our payment amount in XXXX and never notified us. We have never missed payment. We did not sign up for electronic notification. They never sent any notifications of change, late payments, missed payments, etc. \n\nDate Amount Description Remaining Balance Payment Cancel XX/XX/2026 {$170.00} Late Charge Waived {$410000.00} XX/XX/2026 {$1900.00} Payment {$410000.00} XX/XX/2026 {$1900.00} Posted to Suspense {$410000.00} XX/XX/2026 {$140.00} Payment {$410000.00} XX/XX/2026 - {$2000.00} Posted to Suspense {$410000.00} XX/XX/2026 {$0.00} Fee Assessed- Click the plus sign ( + ) to get details tied to the transaction {$410000.00} XX/XX/2026 {$2000.00} Payment {$410000.00} XX/XX/2026 {$2000.00} Posted to Suspense {$410000.00} XX/XX/2026 {$70.00} Payment {$410000.00} XX/XX/2026 - {$2100.00} Posted to Suspense {$410000.00} XX/XX/2026 {$0.00} Fee Assessed- Click the plus sign ( + ) to get details tied to the transaction {$410000.00} XX/XX/2026 {$2100.00} Funds Received {$410000.00} XX/XX/2026 {$2100.00} Posted to Suspense {$410000.00} XX/XX/2026 {$2100.00} Payment {$410000.00}","company":"Freedom Mortgage Company","company_response":"Closed with explanation","state":"SC","zip":"29708","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-06T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":5193,"cfpb_id":"20988042","date_received":"2026-04-06T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Overcharged for something you did purchase with the card","complaint_narrative":"I am looking to dispute a transaction on my credit card from a travel agency. The travel agency made several promises and planned excursions that were not delivered upon. They also booked incorrect flights and then stated we were responsible for the incorrect flights. We were seeking a partial reimbursement. Citibank is refusing to provide further information regarding the dispute or merchant information stating we are responsible. Below I have pasted the initial dispute email. \n\nI am looking to dispute a partial charge from XXXX. \n\nThis is a trip planner company that we utilized to plan a trip for myself and a client to the XXXX. The trip was planned as a 5 day 4 night trip with all 5 days including excursions and meals. ( XXXX XXXX XXXX ) We were in charge of flight to XXXX and the company was in charge of all flight in country. Throughout the planning process they were difficult to get in touch with an continually provided itinerarys that said all information was confirmed in country Despite our flights into/out of XXXX being on the XXXX and XXXX, they arranged in country travel on the XXXX and XXXX. Leaving us with day long layovers on both ends. We were also told we would be booked on the most direct and convient flights, yet were booked on late flights with long layovers despite having direct options that were affordable. \n\nDay one in the XXXX we were promised a tour and that lunch and dinner would be provided. ( XXXX XXXX XXXX XXXX XXXX ). We were not provided a lunch, tour, and when we attempted to attend the planned dinner we were told we had no reservation. \n\nDay 2 in the XXXX we were instructed to go to the plaza for a meeting spot for an excursion. After waiting for 20 minutes and attempting to contact the tour company we were told this was the wrong spot ( despite XXXX  tours transportation taking us there ) and the boat was across the island and was leaving. So we did not attend this excursion. At this time I wrote the attached email detailing our experience and received no follow up. \n\nDay 5 ( XX/XX/XXXX ) we were booked on a flight at XXXX so were told we were not eligible for a tour that day ( despite our itinerary given to us detailing we have a tour ). These were flight booked for us and there were many other options we could have taken that would have allowed time for an excursion. Our return flight to the states was late on the XXXX. So we had an overnight connection and could have easily been booked on a later flight. \n\nWe are seeking a refund for the following items. \n\nTours on day XXXX, and XXXX. The average tour on the XXXX is XXXX. The company never provided a detailed itinerary so we are unable to confirm exactly what tours were suppose to be provided those days. We are also seeking a refund for the dinner we had to pay for despite being told all dinners were provided. we are seeking a refund for our return flight. We were told the flight would be the most direct and convenient ; however, we chose to book a secondary flight to allow us to attend a private tour on day XXXX in the XXXX. While we are unsure what the breakdown of the flight were, I have attached a screenshot of the most up to date booking price ( XXXX ). And finally we are seeking a refund of dinner on day XXXX. As our itinerary and early emails stated, we would have XXXX meals a day provided in country. \n\nWe feel they booked flight that allowed them to not provide the services promised despite there being other options that would have allowed the services we paid for to be provided.","company":"CITIBANK, N.A.","company_response":"Closed with explanation","state":"DC","zip":"20017","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-06T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":20164,"cfpb_id":"20892594","date_received":"2026-04-02T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement","complaint_narrative":"Fraudulent charges of {$7000.00} and {$9000.00} were made to my XXXX XXXX Aadvantage Aviator Mastercard held by Barclays Bank while traveling internationally. I immediately disputed the charges when I received a text fraud notification the next day. I proceeded to close the account and order a new credit card. The compromised credit card remained in my possession until my return to the United States. \n\nOn XX/XX/XXXX, Barclays denied the fraud claim and reinstated the charges. I reopened the case for a second time, affirming that the charges were not made by me. On XX/XX/XXXX, I learned that the claim was denied again. I proceeded to fax XXXX pages of supporting documentation to the Barclays XXXX XXXX department that day. \nOn XX/XX/XXXX, Barclays claimed they had not received the documentation I faxed, even though I had a transmission verification report stating that it was received. I again faxed the XXXX pages including the initial transmission verification report that day. \nToday, XX/XX/XXXX, they claim to have received my fax and that they tried contacted me regarding my formal complaint. I have not received a phone call from them and only learned this information because I called myself. \n\nI have called and spoken to numerous fraud investigators, supervisors, and customer support representatives who have been unable to to give me any information including the contact information and relevant details of the merchant listed on the fraudulent charge. \n\nXXXX bank has acquired this Barclays XXXX XXXX credit card and my account will be transferred effective XX/XX/XXXX. I do not know if this fraud claim will be transferred as well. \n\nIn good faith, I have followed all protocol by text and by phone for reporting the fraudulent charges immediately and on multiple occasions. I would like my credit cleared and the charges removed from my account.","company":"BARCLAYS BANK DELAWARE","company_response":"Closed with explanation","state":"LA","zip":"70124","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-02T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":24490,"cfpb_id":"20835035","date_received":"2026-04-01T12:00:00-05:00","product":"Checking or savings account","sub_product":"Checking account","issue":"Managing an account","sub_issue":"Problem making or receiving payments","complaint_narrative":"Unauthorized ACH fraud occurred on my business checking account following a fraudulent account verification process. \n\nOn XX/XX/year>, two micro-deposits ( + {$0.00} and + {$0.00} ) labeled XXXX XXXX XXXX were posted to my account, indicating unauthorized account linking. \n\nOn XX/XX/year>, a {$0.00} test withdrawal occurred, followed by an unauthorized ACH withdrawal of {$9200.00}. On XX/XX/year>, a second unauthorized ACH withdrawal of {$7400.00} was processed to the same recipient. Total unauthorized withdrawals were {$16000.00}. \n\nI discovered the activity on XX/XX/year> and reported it immediately. Wells Fargo denied my claim, citing ACH return timing rules, and did not address how unauthorized access was established or why fraud detection systems failed to stop repeated suspicious transactions. \n\nAdditionally, Wells Fargo blocked XXXX access to my account, which disrupted my legitimate XXXX integration. As a result, payroll has been missed, manual checks have been issued, and payroll taxes are not being processed properly, exposing my business to IRS and state penalties. \n\nThis issue involves unauthorized account access, failure to detect a known fraud pattern ( verification test large withdrawals ), and ongoing business damages caused by the banks response.","company":"WELLS FARGO & COMPANY","company_response":"Closed with non-monetary relief","state":"GA","zip":"XXXXX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-01T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":21419,"cfpb_id":"20848684","date_received":"2026-04-01T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement","complaint_narrative":"In early XX/XX/year>, I booked a flight through XXXX for approximately {$250.00}. The booking contained an incorrect travel date, which I noticed immediately after completing the transaction. \n\nWithin approximately XXXX minutes of booking, I contacted XXXX  via chat and phone to request a correction or cancellation. I was initially told that no changes or refunds could be processed until the flight was confirmed. \n\nApproximately XXXX hour later, once the booking was confirmed, I contacted XXXX again. At that point, I was informed that the booking could no longer be refunded. I was offered only a partial airline credit with a significant fee deduction ( approximately XXXX euros ), which I did not accept. \n\nI was then instructed by XXXX to contact the airline directly in order to request a refund to my original form of payment. I attempted to follow these instructions, but I was unable to obtain assistance from the airline. I was routed through automated systems and could not reach a representative who could process a refund. The airline systems also indicated that bookings made through third parties must be handled through the agency. \n\nI attempted to continue working through XXXX, but I was unable to obtain further assistance. Communications were limited, and in some cases responses were sent from no-reply channels that did not allow follow-up. As a result, I was unable to access any functional process to obtain either a refund or a credit. \n\nBecause the booking could not be corrected or cancelled, I was forced to purchase a separate ticket for the correct travel date. \n\nI then filed a dispute with Citibank, explaining that the issue was reported immediately and that the service was never used. Initially, a temporary credit was issued. However, after the merchant responded, Citibank reversed the credit. \n\nI contacted Citibank again to reopen the dispute and provided additional documentation, including evidence that I attempted to resolve the issue immediately and that I purchased a replacement flight. Despite this, I received a final notice stating that no credit could be issued because the timeframe had passed. \n\nAt this point, I have received no service, no refund, and no credit from either the merchant or the airline, yet I am still being required to pay {$250.00}. \n\nI am requesting that Citibank reconsider this dispute, as this charge represents a service that was never received and for which no remedy was provided, despite my immediate and repeated attempts to resolve the issue.","company":"CITIBANK, N.A.","company_response":"Closed with explanation","state":"IL","zip":"606XX","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-01T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":17612,"cfpb_id":"20864244","date_received":"2026-04-01T12:00:00-05:00","product":"Checking or savings account","sub_product":"Checking account","issue":"Managing an account","sub_issue":"Funds not handled or disbursed as instructed","complaint_narrative":"I am filing a complaint against Wells Fargo regarding a fraudulent withdrawal that occurred at a branch location. \n\nAn individual was able to impersonate me in person at a Wells Fargo branch and withdraw {$3800.00} from two of my accounts ( Checking and Savings ) via a teller transaction. This was done without my authorization. Based on the circumstances, this appears to be a failure to properly verify identity before allowing a large cash withdrawal. This situation raises concerns about Wells Fargos identity verification procedures for in-person withdrawals.\n\nI promptly reported the fraud and filed a police report ( within less than 24 hours ), which classified the incident as a felony. I had to take an entire day off of work and travel to two separate Wells Fargo locations in order to be assisted in-person. Wells Fargo closed my compromised savings account and opened a new one, and I have been working with them through their fraud claims process. However, they were unable to close my Checking account due to the account being originally opened in another state. \n\nWhile I have received reimbursement for the stolen funds, the incident caused significant disruption, including loss of access to my money and time spent resolving the issue. I was NOT given a provisional credit during the investigation and had zero access to the funds. I submitted a request for goodwill compensation due to the apparent failure in internal controls at the branch level. I was told I would receive a response to this goodwill request within 10 business days. I was also told that I would be given a direct contact extension to someone to speak to, that was not received in email. I was never spoken to about my case. \n\nSomeone responded to a separate request, but it did not address the escalated concern I raised. As of today, the XXXX business day, I have no received a response on the original request.","company":"WELLS FARGO & COMPANY","company_response":"Closed with monetary relief","state":"CA","zip":"91202","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-01T12:00:00-05:00","created_at":"2026-05-08 11:57:33"},{"id":16923,"cfpb_id":"20840222","date_received":"2026-04-01T12:00:00-05:00","product":"Credit card","sub_product":"General-purpose credit card or charge card","issue":"Problem with a purchase shown on your statement","sub_issue":"Card was charged for something you did not purchase with the card","complaint_narrative":"To the Consumer Financial Protection Bureau, I am writing in desperation for assistance regarding ongoing harassment and financial distress caused by XXXX XXXX  Card. I need urgent help to clear my name and credit report from fraudulent activity that is not my responsibility. \n\nWhile I did apply for a credit card and pay the program fee, shortly after, I was required to travel out of town. During my absence, my cousin, who has a history of defrauding me, gained unauthorized access to my phone, email, mailbox, and personal accounts. She stole my card, activated it, and made numerous charges. I want to be unequivocally clear : none of these charges are mine, nor did I receive any benefit from them. \n\nDespite my repeated attempts to explain this situation to XXXX XXXX  Card and multiple credit bureaus, I am being held liable. They cite the paid program fee and matching address as proof of my responsibility, failing to acknowledge the identity theft. My cousin deliberately used my address and made it appear as though I made these charges to conceal her own actions, as she is now in a long-term treatment facility. \n\nI am not financially responsible for her actions and beg for your intervention to remove this fraudulent activity from my credit file and absolve me of this debt. Thank you for your time and consideration.","company":"FIRST PORTFOLIO SERVICING INC","company_response":"Closed with explanation","state":"OH","zip":"44125","timely_response":"Yes","consumer_disputed":"N/A","submitted_via":"Web","date_sent":"2026-04-01T12:00:00-05:00","created_at":"2026-05-08 11:57:33"}]}