Consumer complaint received 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: UT

Complaint narrative:
XXXX XXXX  REGULATORY COMPLAINT FOR UNAUTHORIZED ELECTRONIC FUND TRANSFER XXXX XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) RESPONDENT : ALBERT CORP.DISPUTED MERCHANT ACCOUNT : ALBERT GENIUS SUBSCRIPTIONDISPUTED TRANSACTION AMOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DISPUTE NUMBER : XXXX LAW ENFORCEMENT RECORD : FTC FRAUD REPORT NO. XXXX [ PART I : STATUTORY VIOLATION SUMMARY ] This is a formal request for administrative intervention regarding a material breach of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. Section 1693e, and its implementing regulation, Federal Reserve Regulation E, 12 CFR Section 1005.10 ( d ) ( 2 ). The respondent, Albert Corp., executed an unannounced, delayed " catch-up '' debit of {$39.00} against my checking account on XX/XX/year>, without my consent, explicit authorization, or the contractually and federally mandated XXXX-day advance written notice for a variation in transfer date. [ PART XXXX : CHRONOLOGICAL STATEMENT OF EVIDENCE ] CONTRACTUAL BASELINE ( EXHIBITS XXXX, XXXX, XXXX - XX/XX/XXXX WELCOME RECORD ) : I originally enrolled in a promotional tier on XX/XX/year>. The onboarding disclosure document explicitly established a standard recurring contract cap of $ XXXX following the introductory window. I at no point gave affirmative consent to a rate above {$19.00}. Critically, the merchant 's " Early Deactivation or Account Closure '' clause contains a material non-disclosure, leaving the operational cancellation deadline field completely blank ( " If you deactivate or close your Albert account before [ BLANK ] you will not be charged '' ). Under FTC Negative Option guidelines and 12 CFR Section 1005.7 ( b ), this omission renders the cancellation penalty window legally unenforceable due to a lack of clear and conspicuous disclosure.SPECIFICATION OF BILLING WINDOW ( EXHIBIT B - XX/XX/XXXX ADVANCE NOTICE SOURCE FILE ) : On XX/XX/year>, Albert Corp. issued an automated electronic notification scheduling a recurring debit of {$39.00}. By explicitly defining the settlement date as " XX/XX/year>, '' the merchant legally bound their transactional authorization timeline to that unique window under XXXX operating network rules. The merchant failed to settle the transaction on XX/XX/year>, establishing XXXX historical billing intervals and providing no notification of transactional delays.UNANNOUNCED DEBIT VIOLATION ( XX/XX/year> TRANSACTION DATE ) : Following XXXX  days of operational silence, the respondent executed an unannounced account sweep of {$39.00} on XX/XX/year>. Unilaterally altering a recurring transfer date by over XXXX  days constitutes a material change to a scheduled transfer under XXXX CFR Section XXXX ( d ) ( XXXX ). The respondent failed to issue the mandatory, separate advance notice on or before XX/XX/year>, rendering the XX/XX/XXXX settlement completely unauthorized.IMMEDIATE REVOCATION OF BILLING CONSENT ( EXHIBIT C - XX/XX/XXXX REFUND DEMAND SOURCE FILE ) : Upon identifying the unauthorized pending transaction sequence on XX/XX/year>, I deactivated the account infrastructure via the app interface and transmitted a formal revocation of any potential billing authority to XXXX on the morning of XX/XX/XXXX while the transaction was still in a pending/unsettled state. The respondent refused to cancel the settlement, violating my statutory right to halt unauthorized access.OFFICIAL REFUSAL OF REMEDY ( EXHIBIT D - XX/XX/XXXX MERCHANT REJECTION SOURCE FILE ) : Concurrently on XX/XX/year>, the respondent 's compliance/support server dispatched an automated metadata-stamped email explicitly denying my refund request. This file establishes a mature, irreconcilable merchant dispute and confirms that Albert Corp. willfully withheld unauthorized consumer funds following real-time notification of a Regulation E notice breach. [ PART III : REQUESTED REMEDY ] The consumer has established a prima facie case of a Regulation XXXX notice violation, verified by digital server source metadata and defective onboarding documentation.I request that the CFPB compel Albert Corp. to immediately contact the ACH clearing network and merchant XXXX to explicitly concede and withdraw all defenses against XXXX XXXX XXXX XXXX XXXX XXXX ( maintained via XXXX XXXX XXXX XXXXXXXX ). This will allow my financial reversal to be permanently finalized.Furthermore, the respondent should be ordered to perform a systemic compliance review of their onboarding automated templates to eliminate blank disclosure parameters and cease the practice of executing delayed, unannounced account sweeps without issuing the mandatory XXXX advance alerts under 12 CFR Section 1005.10 ( d ). [ === END OF COMPLAINT === ]

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation