Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Formal Complaint against Google XXXX XXXX XXXX ) and XXXX XXXX. Incident Type : Unauthorized Electronic Fund Transfers ( EFT ), Systematic Billing Fraud, and Failure of Financial Institution Oversight Consumer Information Name : XXXX XXXX XXXX Location : XXXX, Ohio Executive Summary of Complaint I am filing this formal complaint to recover {$2200.00} in unauthorized and fraudulent charges processed through the Google Play Store and Google Pay between XXXX and XXXX. These charges involve systemic " cross-account '' billing, where Google bypassed security protocols to access financial accounts across personal and business domains. Furthermore, I am seeking reimbursement for the replacement cost of moving my entire digital ecosystem to XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX, and Watch ), a move necessitated by the total failure of Googles XXXX and XXXX refusal to protect my assets. Statement of Circumstances : The Google " Billing Web '' I am a victim of systematic fraud perpetrated through the Google Play Store ecosystem. My primary authorized service was a Google XXXX XXXX Family Plan on \bm { XXXX }, intended to cover my other family accounts. However, the following fraudulent patterns emerged : The " Auto-Restart '' Loop : I have canceled multiple subscriptions and had fraudulent charges ( specifically XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX as well as other subscriptions ) dozens of times, only to have them " auto-resubscribe '' within hours, days or weeks. XXXX XXXX : When a specific charge was flagged or blocked, XXXX system would restart the subscription under a different pricing tier or account to ensure the transaction processed. Cross-Account Hijacking : If Google could not find a valid payment method on one account, it would " reach through '' the device to pull funds from payment tokens on my other logged-in accounts, including my business accounts. Double Billing : Despite being on my husbands authorized {$24.00} XXXX Premium Family Plan, Google has concurrently charged my individual accounts $ XXXX for the same service. Same billing hijack with other preexisting subscriptions like onedrive, XXXX, all I did is login to an account. I had a pre-existing subscription and google hijack the subscription, charging me while I was still being charged directly through those accounts. Complaint against XXXX XXXX. XXXX XXXX accounts failed in its fiduciary duty to protect my business and personal accounts from known fraudulent activity. 1. Failure to Block : I explicitly requested XXXX to block all Google-related transactions. They failed to do so, allowing Google to access my XXXX Business Account. 2. Unauthorized Overdrafts : Due to XXXX 's failure to block these merchants, Google overdrew my business account by several hundred dollars on multiple occasions. 3. Denial of Dispute Rights : After multiple fraudulent charges were identified, XXXX informed me that I had reached a " dispute limit '' and refused to process further claims, essentially locking me into a cycle of ongoing theft. Request for Resolution I am requesting the following : 1. Full Refund of {$2200.00} : Representing the total identified unauthorized charges across all XXXX Google accounts ( \bm { XXXX }, \bm { XXXX }, \bm { XXXX }, and \bm { XXXX } ). 2. Hardware Replacement Costs : Reimbursement for the purchase of an XXXX XXXX, XXXX, and XXXX XXXX. This transition was a " mechanical necessity '' to protect my financial security after Google demonstrated an inability to stop unauthorized access to my banking data. 3. Cease and Desist : A formal order for Google to delete all payment tokens associated with my identity across all platforms. Closing Statement on Financial Impact These charges were not restricted to a single card. Google successfully cross-billed across my credit and debit Mastercards ie ( XXXX, XXXX, XXXX ), personal XXXX XXXX, and XXXX Business accounts. By hijacking payment methods never explicitly authorized for specific accounts, Google has breached federal and state financial regulations. The fact that my business bank account at XXXX was repeatedly overdrew by a " personal '' gaming app illustrates the catastrophic failure of digital payment boundaries. When I finally figured out that the only choice that I had to stop these charges because Google will not let you take a payment method out unless you replace it with another active payment method, which in and of itself is a violation of the law I then just canceled my whole Google pay service so that they couldnt charge me anymore and then they decertified my entire XXXX galaxy XXXX XXXX XXXX. Causing me to lose use of my device. I couldnt access Google play store. I couldnt unsubscribe from any apps yet the charges remained and then they started charging my XXXX business and my personal cash app making it nearly impossible for me to track down how I was being charged by Google. I believe that this is intentional fraud committed by Google and people who have multiple counts or multiple devices are at higher risk of this happening because of the cross Device, syncing and payment tokens and things like that I have lots and lots of proof that I am willing to expose if somebody in the government wants to kindness Id be happy to prove what I am saying is true

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation